It does cover your liability for property damage and medical expenses if you were at fault. If you have collision insurance, your vehicle will also be covered.
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.
Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
depends on your insurance plan, call your adjuster.
That is up to the lawyers and insurance companies to determine.
Yes. The person is entitled to collect the insurance deductible and any other damages that were incurred due to the fault of the driver of the vehicle.
If you purchased the rental company's insurance option then the rental company's insurance is responsible. If you did not purchase the insurance option, then YOUR insurance is responsible.
Gap insurance does not cover repossession anything. It only covers if you wreck the car and owe more than it is worth.
Every state is different. Where I live, if you are the responsible party in the wreck then your insurance has to repair the vehicle that you hit. You will be responsible for paying your deductible to have your vehicle fixed. Also the driver without insurance will be ticketed by the authorities if they are present.
Your PIP insurance will in most cases cover your medical expenses even if you do not possess the required health insurance in Texas. This would pay for your medical expenses in a wreck.
Are you planning to have a wreck or did you already have one? Call and ask your agent or claims agent.
They may not if there is a clause in the insurance agreement that the insurance will not be paid out in the event that an unlicensed driver is in control