i only have coverage to pay for damage to the other party's vehicle if i was at fault in an accident. also, it has been a while since the accident, won't my insurance company be reluctant to help after such a long time, or even raise my rates? the damage was only $500, do you think that it...
About two weeks ago, I was driving and a guy made a left turn from another road onto the road i was on, crossing halfway through my lane, but then stopped in my lane instead of continuing. I didn't have enough room to avoid hitting him, so I swerved and hit his back left bumper with my left...