Yes because if the car is old and gets totaled you would want insurance to get some money back from your old car to put towards a new one 
Yes Because its your fault your gonna need to pay for their damages. ( i live in Florida so ion know much bout that cause we a no fault state )
        
             
        
        
        
Answer:
it's the wife because if it was anyone else she would've heard them and called the police alot earlier