You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
A reliable auto insurance agent is one who takes into consideration the needs of their client. Also one who makes it a point to contact their client back in a timely manner when they are applying for insurance or trying to submit a claim.
You don't have to, but they may take the car back.
Not legally
No, the reason is that there could have been an accident or any other situation. An auto insurance policy must be in force it cannot be back dated.
Yes.
You can take back a claim for damage to your own property. You can't take back a claim where you are liable for damage to another party.
submit the letter to your insurance company asap as they are looking to make you at fault int he incedent. No they are not looking to make you at fault. They are looking to see who should have paid the medical bills. If car accident, which auto insurance. Yes, contact your car insurance to set up a claim. Once the auto policy/policies utilize all their medical coverage then your health insurance will take over. If your auto pays you cash for your medicals, beware you WILL be contacted by a subrogation analyst because that money is not yours. It's to pay for your medical expenses and you will have to pay your health insurance back. It could take months and months before they find out about it...but they will.
Show the towing company proof that the car belongs to you. This could include a copy of the title or proof of insurance in your name.
Yes, you can. However, ultimately it is the at fault party's insurance company that will pay for the claim. In such a case, you will file a claim under your collision coverage and be subjected to the deductible. Once the claim is settled, your company will subrogate the loss with the other company(i.e. get reimbursed). Once that happens, you will be provided your deductible back. If you go through the at fault party's policy, you would file the claim under the property damage of the policy.
If the other driver is at fault and has insurance, their insurance should still pay the claim. However, you may still face significant legal penalties for driving without insurance. Your drivers license may be suspended and your car may be impounded, and the cost of insurance when you get it (which you have to, in order to get your drivers license or your car back) will be much higher than it would have been if you had purchased it before the accident. You should probably consult a qualified attorney for advice on how to minimize the cost.
You cannot go behind someone's back and file a claim on their insurance. If it is a major injury you can file suit and they will have to provide it to their insurance company so that the insurance company will defend them or settle the claim. This is to force the issue.