Often, cars are totaled because the cost of repairs exceed a statutory maximum of their actual cash value, thereby requiring the insurer to total the car. Sometimes, the car is repairable and the insured wishes to keep the salvage and have the car repaired. In that case, a "rebuilt" or "salvage" title will be issued upon the completion of repairs, so the insured may want to keep the insurance in force.
Likewise, if the insured gets a replacement car, the same policy as he/she had before can apply to the new car--although the specifics of the new car (make, model, style, VIN) will have to be endorsed onto the existing policy. The insured may also want to change one or more of the coverages either in type or amount.
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
Driving a vehicle raises the risk of an accident. An accident may damage one's own vehicle or may damage a third party. This may cause financial or legal penalties to the owner of the vehicle. To avoid all or to compensate for the consequences we should opt for insurance. There are 2 types of vehicle insurance. Third-Party Insurance: - Comprehensive Insurance
Insurance follows the vehicle, not the driver.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
Most insurance companies will instruct you to call them first when you have an accident, unless there are injuries. You should call the police to get an accident report.
The owners name and address should be listed on the accident report as well as the driver of the vehicle and who was at fault in the accident.
If they have insurance then you should not have to pay a deductible at all.
The answer should be yes to both parts of the question. You should notify them.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.