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.

Yes, there are insurance companies that will insure you if you drive for a rideshare company. You will need to have a special endorsement on the policy that allows you to drive for rideshare and you are usually required to have higher limits.

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.

Homeowner's insurance is to repair damage caused by an unforeseen event. In this case, it will most likely not be covered by insurance, especially because it is cosmetic damage caused by home improvements.

Yes, you should be able to exclude her from your policy. If she is excluded, she will not be covered to drive your car.

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.

Unfortunately, the answer is no. The driver/owner of the vehicle is responsible for the damages.