texas

There's a couple things to think here. First, although you have comprehensive coverage, this wouldn't apply to this situation because another vehicle caused the accident.

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

There are a few different factors to consider. First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed.

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.

If you have two addresses you would need to list the address where the car is kept most of the time. This is called the garaging address.

If you do not currently own a car and also do not have a car that you regularly drive you can purchase a Non-Owner / Operators policy. This will cover damages and injuries that you cause and are responsible for in the event of an accident.

Simply put, no. Your deductible only applies to your car through your collision and comprehensive coverage.

This can depend. Usually, the moving vehicle is found at-fault for damage caused by a stationary vehicle, as you're required to be in control of your vehicle at all times.

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.

Most people understand that if they were at-fault in a car crash then they will likely see an increase in their rates. Unfortunately, not-at-fault accidents can also affect the rate that you pay for car insurance.