Depends on your policy.
The terms of your Insurance Contract always require that you report an accident regardless of fault.
No they shouldn’t disclose your private information without your authority to do so.
It depends which country they fly in.
You should be talking to the insurance company that insures the vehicle you were a passenger in.
Several different things are taken in to consideration when an insurance quote is drafted.
If you feel you haven’t been treated fairly, I would file a complaint with your state insurance company or have your lawyer do it.
Evidently if you have collision that should look after the harm to the car.
It will pay the sum your vehicle is worth according to BLUE BOOK If you have utter coverage and your car is totaled by someone and their insurance pays the current value will your insurance pay the difference?
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Car insurance covers many parts including collision, liability and comprehensive.