In the insurance department; in whatever state you buy it, it will change to meet the minimum law requirements in whatever state you are visiting; however if you move to another state you must get your insurance changed to meet that states law requirements
At-fault state laws apply.
yes
texas is a no fault state.
In this state, a no fault state, full coverage insurance covers the other vehicle if you are at fault.
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
No it is not a no fault state. Ohio is a tort state meaning that someone must be found to be at fault in each accident.
YES
no
No it is not
Depends on what state you are in and what your state's laws are. If you're in a no fault state, your insurance will pay for all of your medical bills no matter who is at fault.
Typically the person who hit you pays. If they don't have insurance, your no fault insurance will pay for it.
The car insurance in which you are looking for is called 'no fault insurance'. It is regulated state by state and not all states require you to have such insurance, some states have only require one to have liability insurance.