Austin

You are correct about how long you have to file a claim. However, each company is different, so you need to contact your insurance company for specific information relating to your repairs.

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.

Most insurance companies require you to inform them anytime there is an accident. Typically when someone backs into you, their insurance will pay for the damages.

The cheapest type of car to insure is typically an early-2000s 4-door sedan. You want it to be a car that you are not making payments on that way you do not have to carry comprehensive and collision coverage.

You would not need to carry insurance on the car that was totaled. You should be able to remove the car at any time and the claim will still be processed.

When you file a claim for an injury, the party responsible for the injury would be the company to pay for the claim. If you had another injury from the second accident you will be able to file a claim.

Every car that is registered needs to have insurance in New Jersey. Since you are not driving you can keep the state minimum liability on the vehicle.

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

Unfortunately, fault can only be determined by the claims adjuster assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at fault then the company's insurance would take cover the damages.

There are a couple of things to think about here. First, although you have comprehensive coverage, this wouldn't apply to this situation because another vehicle caused the accident.