collision

Typically, an insurance claims department will do whatever ends up the cheapest for them. Unfortunately, they will almost never negotiate the claim type or even how they pay out on it.

Sorry to hear about the accident. I can not officially determine fault, but by the information provided, I would expect you to be responsible for the damages caused.

As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.

Thank you for the question. I would avoid filing a claim unless the damage is severe.

Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.

When it comes to selecting your deductible you have to know what you can afford, and if you could cover the claim or damages with a high deductible. If so, high deductible + good driving = a lot of savings but a lot of people can't fork over 1k-2k in the event of an accident.

This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision.

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

If the diagnostics are part of your car's repair and the other party is at fault, this expense should be covered by the insurance company. However, this is specific to your claim and you will need to contact the company that's paying for the claim to find out the specifics of what they will cover.