Insurance companies?

"My roommate and I each possess a vehicle but exactly the same insurance policy is n't shared by us. He has his own. I simply got car insurance for my new-car as well as the adviser was informing me that I ought to incorporate people coping with meWhat is the best guess? Who is the best business? who must I notice about this? an  insurance  broker? How to not find bad?
"I experienced a collision. I was responsible. Rear-ended some guy"I was ended due to a rear lighting that was cracked so that as it happens my insurance had expired about 4 days before. I had been not mindful the  insurance    expired"How would one categorize those who won't have healthinsurance after Obamacare technically begins