As long as he is not specifically excluded you should have coverage for both up to the limits of your coverage,

Can auto insurance companies in California increase premium rates if you're in a not at-fault accident?

No they can't and if they try could could report them to the insurance commissioner for what little good that would do.

Submitting a claim for Personal Injury car accident and hiring an attorney

Yes most PI lawyers including ourselves charge a percentage on both parts.

You shouldn't have to ask this question if you had insurance.

Sounds like false imprisonment and a racially motivated discrimination. There maybe something there but is always a question of damages versus cost...

Do I have a case if someone backed into me my 9yr old son was in the car and is complaining about back pain

Yes if he was injured enough to be taken to a doctor and there is visible damage to your car.

Car accident (Car hit from behind after change lane)

Don't just let it go. Either get an attorney of your hurt or turn it over to your insurance company you don't have to defend yourself that's what...

Why have a home warranty if they won't cover items?

Good question. Sounds like a little fraud going on here so you should find a good Texas attorney to review your paperwork. Heck they might even...

Do I have a case for a car accident even if their was a stop sign?

Hard telling not knowing. Maybe yes maybe no and that's why you should immediately contact an experienced NJ personal injury lawyer to get them to...

Do you have to pay a subrogation claim?

Who was at fault? If you were then you will have problems. If you weren't you still will have to defend yourself or hire a lawyer to defend you...