Want this question answered?
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
no
No, they do not have to insure your rented vehicle. You have too.
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
Usually your insurance company will make that determination. The only time I can think of one insurance company working with another company to determine fault is if stories are mixed, or circumstances (such as weather, pedestrians, noise, etc) are too complex to tell initially.
You will have to check your state law on this. If it is a no-fault state. Then your insurance will repair your vehicle and then bill the other driver's company. I am not sure of the procedure in a "fault" state. You could try contacting your insurance agent or any auto insurance agent in your state.
In any state, if a driver is found at fault then he is responsible for the other car's repairs, either using his insurance company or out of pocket.
No, if it is your fault you are not eligible to received diminished value from your insurance company. It has to be a third party claim, ie the party at fault's insurance company pays the damages if you can recover them.
The insurance company of the vehicle found to be at fault in the collision. The fact an ambulance was involved in not important.
Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.