GAP coverage applies regardless of fault.
Anybody involved in an accident. Damages are covered regardless of fault.
Any accident is covered, but keep in mind you're only covered for the amount of coverage you bought, and that if you are at fault, your rates will go up (and sometimes even if you're not at fault).
no one is at fault it was an accident/ not enough information to determine if it was human error or car error
Actually, this will be covered by your insurance co.
Florida's no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Damage done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
The person who causes the accident is at fault
That depends on the text of your insurance policy. Whatever it says in it, is what you're covered for.
Yes, but proof will be necessary - determining fault. Some insurers like to mess with your head and question the "fault" and deny coverage. Get it in writing - possibly by the at-fault driver or YOUR insurance company. Here in Canada, even if you only have PLPD, if the accident is not your fault you are covered for repair, minus the deductible.
The conflict of interest is at a no fault. The sentence should read "We had no fault for the car accident".
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
a judge in an American court makes the decision as to who is at fault for an auto accident. some states have "no fault" meaning in an accident all parties involved are given a percentage of the accident's fault