Questions for all you car owners. If you damage another car, do you pay for damages directly to the claimer and get reimbursed by car insurance, or does the insurance take care of it all? Like say, the driver was present when you slammed into the car and copies your liscence plate number and sends you the invoice. Do you then give it to the insurance company and they take care of it? What if a passenger is the culprit? Could the insurers refuse (but how would they know?) What about deductibles? Also, anyone out there with cheap liability insurance for foreigners let me know. Thanks so much if you can help.