In the state of Washington what happens when invalid auto insurance is given at the scene of a minor traffic accident?

In Ontario, Canada, how does auto insurance work? Do you need to insure yourself as a driver and your car separately? If anyone can help me with the details of this, that would be great. Thanks!

What would be the best way of conducting a transaction without getting the auto insurance involved for an accident?

Person hit me and neither of us want to report it to our auto insurance. They don’t trust that I won’t report it to the insurance after I get paid from him.

What should I do?

I have an auto insurance policy with my spouse. He was in an accident and filed a claim. He is not planning to buy another car and is going to use public transport. If I drop him from my policy, will my rates still go up because of his claim even though I was not involved in the accident? If I go with a different insurance company only for myself, will they also quote higher rates because of the claim?

What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?