Yes, the owners of the vehicle (and driver of course) are the ones sued, it has nothing to do with who is the named insured on the insurance policy.
No. If the accident was your fault, you can not get money from the other person's car insurance.
A motor accident claim will make one's insurance premiums go up. Most insurance companies will do this at the time of renewal though.
Yes.. but make sure you have good documentation with dates on the accident reports.
Car insurance wont cover health insurance. Car insurance will cover any medical bills related to an automobile accident you are involved in though. If you were in an automobile accident, contact your auto insurance company right away.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Two problems... First, if the accident was in any way your fault, then you are on the hook for that percentage of the cost of the accident. Since most accidents are never 100% one person's fault, this could cost you thousands or more. Even though the other driver most probably has un-insured/under-insured coverage, you can be assured that he/she will subrogate the claim, and their insurance company will come after you for payment. Second, many states require insurance as a requirement for driving a car. Failure to have insurance is a chargeable offense, and you could be fined and/or jailed because of this. At minimum, you can expect that your license will be suspended or revoked.
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person.
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
howdo i find the insurance provider for a person in was in an accident with n now can not get in contact with
I heard that u should, and if your personal insurance finds out that u were involed in a accident with a company car under company insurance ur insuance can be black list u. i could be wrong.
This is unclear. If you're asking if your medical insurance will pay for someone else's treatment... no. If you're asking if your liability insurance will cover your own personal injuries... probably not, though that's less certain, and it might apply in some cases like a "no-fault" auto accident.
You only get a rental if your policy specifies that you chose to pay extra to have rental car coverage. Having collision coverage is not the same thing as having rental. Collision coverage just covers the repairs to your vehicle. If you are not at fault for the accident, the other person's insurance will provide you with a rental car.