The claims payout would go to the vehicle owner. Insurance companies will not pay a different party without permission. Your insurance may not have noticed that the car is owned by someone else but most have rules that require that the owner is on the policy.
You do not have to pay them if you had insurance at the time of the accident. They would need to contact the insurance company you had at the time, provide them with your policy information, and start the process. If you have any questions, don't hesitate to ask.
You are correct. Some injuries may take a while to become apparent. If you are still within the statute of limitations — and the injury was a direct result of the accident — you can reopen the claim to receive payment.
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible. If you have any questions, feel free to ask.
Thanks for the question! This is because the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually pay is the actual cash value of the vehicle unless stated otherwise.