What is an insurance premium?

I used to be a in a vehicle accident and my notebook was damaged. Would the individuals insurance cover it? Even if it had been liabilityI need car duty first then im likely to seek out motor insurance.

"I truly need healthinsurance I've a very poor sinus issue & INCLUDE i currently had a surgery in the past for my nose problem and that I had healthy people insurance and so they taken care of it and so they used-to pay any office trips too my mom simply paid $5 copay and since i turned 19 icant have that insurance anymore may be the a few other insurance that is full-coverage and it is not to expensive? I previously tried receiving medical but did not qualify and i dont possess a career since most people are getting let go over here