If they admit fault and their insurance company says they will pay for everything then it's been my experience that you get a choice. If you work through your own insurance company they may withhold your deductible amount until the other insurance company pays up. I believe that it makes sense to just work with the other guy's insurance company. They'll make an offer (if it was totaled) or ask you if you have a body shop preference and to take it there and they pay the bill. The deductible amount is not a factor since the other party is At Fault. In fact, I'm not sure why this isn't just standardized and made the common way to handle it, with the exception of if you believe that you're not being treated fairly.
Your are insured. I just called 3 agents. Progressive, Geico, and all-state. Again, every state is different. In Wisconsin, the insurance follows the car, so if you borrow someone's car, you are borrowing their insurance. This means that if you lend your car to someone, and they have an at-fault accident, your insurance will be primary (theirs is secondary), and it is likely your insurance rates that will be affected!
That all depends on the details and the rules in your state.
To get your car rental excess insurance for free the following steps need to be taken. Take out car hire excess reimbursement insurance and make a claim on it.
If you have no insurance you may get a ticket, but you will want a police report on the accident to claim their insurance, if they were at fault. so call the cops
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
This means that a claim has been made AGAINST you. Your insurance company, in most instances, will not pay the third party until they have discussed the claim with you and verified what happened.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
Selling your car with insurance claim pending, will simply null and void your insurance claim. Because your damaged car can be subjected to inspection by the Assessor of the Insurance Co. for assessment of the insurance claim any time.
Trade Insurance information with the other party and make out a claim with your own.
Yes. Being on the insurance doesn't make someone the car's owner. Only the deed holder or the lien holder can be classified as the owner and can claim that the car is stolen. yes
The car's insurance would kick in first because YOU gave them permission. Their insurance would pay for whatever is left over.
You can be sued, and your insurance company can deny the claim.