No he have to listed as a second third or household driver for being cover by insurance
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
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.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.
If the at-fault driver is not responding to insurance inquiries, you should contact your own insurance company and provide them with all the necessary information about the accident. Your insurance company can then handle the situation and try to resolve the issue with the at-fault driver's insurance company.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
Yes. Some states will not cover an accident if a household member is not listed on the policy.
The at-fault driver may not contact their insurance company because they are trying to avoid an increase in their insurance premiums or they may not want to take responsibility for the accident.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
The insurance company of the driver "at fault,' or from their personal funds if they have no insurance.
The at-fault driver may not be responding to the insurance company due to fear of consequences, lack of understanding of the process, or unwillingness to take responsibility for the accident.