texas

Sorry to hear about that. It sounds like you would only pay the 2% deductible and insurance should handle the rest.

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.

Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

If it's part of a common area, the homeowners association (HOA) would be responsible for maintaining those areas. Since this is a safety issue, I'd bring this up with your HOA about making improvements.

This situation could cause a few issues. You cannot insure property that you do not own.

It's not likely that any rental company will allow this. Most car rental companies require drivers of their vehicles to be at least 25 years old.

In this case, if they opened a claim on their own insurance they are likely admitting fault. I would also open a claim against their insurance.

As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR).

Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.