claims

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.

You only have to pay a deductible when your collision or comprehensive coverage pays for damages to your vehicle after filing a claim, so no, you will not need to pay a deductible in this case. I also recommend reading this article regarding claims to see how this will impact your rate.

This can be tricky because it will depend on how your policy is written. I would look at the details of your car insurance policy and see if "permissive users" and "permitted drivers" are covered.

Only file a claim if the damages are so bad that you couldn't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at fault accident on your record for 3 years.

Since you paid out of pocket, there's no point in reporting the car accident yourself. It gets a little trickier when you consider the other party: they could still file a claim against you and you would get stuck with an accident on your records.

If you have a loan or lease on your vehicle, it's probably stated within your agreement to use the funds they sent you to get your vehicle fixed. Even if you don't, if you plan to resell the vehicle, it's probably within your best interest in fix the vehicle.

Normally the liability coverage on your policy should pay for damage caused to another driver, even if your daughter wasn't currently listed on your policy. However, some insurance companies require anyone who lives in the household be listed on the policy - either included or excluded in order for them to properly determine the risk.