Guilty in accident-incorrect.
GET IT IN WRITING!!! Having an oral admission of guilt from the guilty party when YOU are on the report as the guilty party doesn't mean a thing.
In most cases you do not need an attorney where there is only property damage and there is no dispute over which driver was at fault.The problem is that many adjusters know that you do not want to...
It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered.
If the unlicensed driver is excluded from coverage then naturally there...
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving...