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Car-Insurance or property owners insurance ? Is my car covered?

“My car was totaled”Kansas motorcycle insurance Some man hopped on and dented my lid. Its gonna charge $900.00. He’s t paying. I registered a police document and can record charges. Two witnesses no videotape etc. Should i file with my insurance and spend the $500 deductible or just pay all to it? Im scared that my insurance will skyrocker and it don’t be worthwhile.

” 24 months having a license. No incidents/ passes. GPA 3.0+. Excellent credit rating. To get a car that is used newer than 2003. I simply need a rough estimation. I don’t need some insurance agent to contact me for a or get random emails from insurance providersWill typical insurance cover this?

“The length of time are you able to go without auto insurance in Mi before becoming highrisk