The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even though you do not consider yourself to be At Fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
I would call their insurance, if you did not know who they are or they didn't have insurance, I would call your company and they can get the ball rolling.
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
No you don't have to call the at fault insurance company. You have to get the information from other driver, give this information to your insurance company/agent. You have to get the collision report from reporting center. If the damage is more than $1000 and somebody is injured too, you may call police and send the police report copy to your insurance co.
You would call the insurance company of the person's car that you are driving. The insurance follows the car and not the insured.
Usually, you call your own. They will set up a claim and investigate it. They will usually pay for your car and recoup payment from the other insurance, or they will request payment from the other insurance company directly. In most cases, you will be in contact with your own insurance company.
If you are not at fault, you can make the other persons insurance company compensate you for a loner car. If you are at fault, most insurance companies offer a loner car as an option to your insruance plan (increases your premium)
If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
If you have medical, yes because your medical under your car insurance covers your passengers, regardless of fault.
Call the insurance company.
Depends, you have to ask your insurance company
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.