You replace or repair it or junk the car.
What happens is that you get a new insurance policy, possibly with another insurer. Any unearned premium will be returned to you by your insurer.
Of course you need to cooperate. Any time an Insurance co. has a claim, they have to investigate it and determine who's liable. Cooperating is in your best interest. Tha fact the you and the other driver are insured by the same company has nothing to do with the claim itself.
Most people just buy another insurance policy somewhere else. That is usually what happens.
You probably get arrested.
Nothing happens if a person that hits someone in their vehicle and their insurance is covered through another state than the accident happened at. Car insurance companies will pay for damages no matter where they happen at.
It so happens that you have no insurance
Some benefits for investing in insurance for teachers are that if something happens to the teacher, their family will be provided for. Another benefit of having insurance is if one falls ill, their medical bills will not be as high.
generally nothing. Insured person can name another beneficiary.
If the vehicle has insurance it will cover damage to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the damage to the vehicle that you where driving even though it is not on your policy.
Exchange insurance information; call your insurance agent immediately; do whatever your insurance agent says. At minimum, get the make, model, year, and license plate number of the other car.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.