Automobile incident question. Who pays, the business or insurance?

A auto insurance? USA?
"Am about to test for my license tomorrowI'm beginning a fresh occupation in Jan and I will be 1099 - I need any recommendations from anybody presently spending their ownHealth Insurance and what is a good company to opt for. Many Thanks!
"In every honestyAuto  insurance  - using the non claim discounts of someone else?
"If lie to your motor insurance firm what happens