yes
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else.
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.
A person can go to www.statefarm.com to secure automobile insurance.
In most cases it would not go up. However, some insurance companies give a discount for having no claims and in that case any claim at all would make you loose the discount.
As long as it is their fault you can go after their insurance.
Walk behind them and go where they are going.
No.
Only if you go to your insurance provider and include them in your policy
Unfortunatey, if you hit a car from behind, it is your fault. Period. Your insurance will pay for damages and the other person's injuries, if any. Hopefully, nobody was seriously injured, but you can expect your insurance to go up!
Someone can go to employment websites such as Reed to apply for a job as an automobile insurance agent. Alternatively, someone can approach the main insurers directly to ask about vacancies.
The way a person can go about obtaining building insurance, would be by going downtown to city hall and applying for the insurance. This is an easy process.
You go through the at fault driver's insurance carrier.