claims

Sorry to hear about your situation. I would check with your gap coverage provider.

Your insurance company is likely going to pay for debris removal. Removing certain things while doing so may come with additional cost and typically insurance is not going to allow that.

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim.

Most insurance companies do have access to a driver's background when they quote and insure them. Not having a driver's license is usually an issue for insurers but it's not impossible to find insurance for an unlicensed driver, and that seems to be the case in this situation.

Given your claims history, I would pay for the damages to both vehicles out-of-pocket. You are correct that having any more claims added will likely make it very difficult to find coverage — not to mention when you do, it's going to cost even more than your current bills.

Previous claims can affect your ability to get homeowners insurance. Particularly, it will affect your rates.

Thanks for the question. I would not sell the vehicle while the claim is still open.

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

Sorry to hear about your situation. From what I can gather, it appears that she hit the rear of your car while you were waiting at the gate of your apartment complex.

Yes. Your father will need to file an insurance claim unless he plans to pay out of pocket for the damages to the other vehicles and not be compensated for his vehicle.