Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
Never admit to liability in an accident. Exchange your details and let the insurance companies deal with it.
Then it's time for a lawsuit.
== == If secondary insurance denies coverage, YOU get to pay the bill. == ==
Today accident management companies facilitate quick recovery of claims, they need not wait till the whole case is resolved. So you must visit an accident management intermediary service provider for your damage assessment. Visit source for more info:
If you have comprehensive coverage, you should have collected from your insurance company. Then the two companies can argue about it. legal action if fail to reply to letter of demand and quote.
So it depends on what state you live in. Here in CA we have a law which denies anyone who does not have insurance any bodily injury claim. Your car will be fixed to its prior state before the accident and nothing more. This information that I know of only pertains to the state of CA.
Yes, If you are in an at fault accident for which your state law requires you carry the appropriate coverage and the insurance you bought does not cover it. Then you were in fact uninsured for that accident and you are not in compliance with your state law regarding your financial responsibility.Basically it means that you did not have the minimum coverage required by your state.
Read your policy
No health insurance company denies anyone health insurance for being gay.
si el seguro lo rehusa/niega.
It depends on whether or not the car carried comprehensive insurance. If it did the auto owner's insurance would cover the tree damage, regardless of the cause. If the car did not have comp. coverage, then the car owner may be able to make a liability claim against the tree owner's homeowners insurance coverage. If the homeowner's insurance denies the claim, the car owner can still seek a civil award against the homeowner's personal assets.
Same rules apply as if it was your own car. Make sure you get the insurance information from the person that was at fault and immediately call that insurance company and file your claim. The owner of the car will probably have to verify that you had permission to drive the car. If the other persons insurance denies the claim then the owner of the car will have to make a claim under their policy.