Insurance polices and carriers differ. A person would need to contact their insurance company to see how long they have to file a claim. In Oregon, a person has up to 10 years to file a personal injury lawsuit in court for a car accident.
disability insurance.....
Yes they do. Disability policies generally have limitations to prevent a person from having an incentive to stay on disability. If you have two policies you may be getting more in benefit dollars that you had in your paycheck. This is exactly what they want to prevent. Sorry!
The person who causes the accident is at fault
When someone has been missing for long enough, which is normally seven years, that person can be declared legally dead, at which point life insurance policies will pay the death benefit for that person.
An external benefit is a benefit that one person gains due to another person's actions
A person bankrupt money from the bank, so the polices were trying to find him.
Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
This depends on many factors, including the ability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.
There isn't an average. It depends on how much Bodily Injury Limits the other person has. Most people have policies with $20,000 - $25,000 but can go up from there. That's not to say you'll get it all, it depends on what happened in the accident, and if the person who died contributed at all to it. Either way you only get the max on their policy.
The person that is responsible for the accident.
Give assistance to any person injured in the accident.