generally the person who owns the car At Fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay
If everyone was legal, yes, a collision should be covered by the insurance company.
Yes, anyone that drives a car needs to be insured
You might want to be careful here. Some states have steep fines and worse for someone that drives without insurance.
Oddly enough, people aren't insured; cars are. Your son doesn't need insurance, but the cars he drives must be insured.
Sure. Remember that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of the policy is that the insured agrees to inform the insurance company of all residents of the home as well as regular drivers. If the insured does not list his 17 year old child who drives one of the vehicles regularly and lives in the house and then the child has an accident the insurance company could not be expected to provide coverage for the accident. Since the insured broke the terms of the policy which is a legal contract then the company probably will not provide coverage because the insured committed material misrepresentation and lied in a significant manner on the application.
this greatly depends on your specific policy with your insurance carrier/ certain policy provisions may be required if the vehicle on the policy is being operated by someone other than the named insured.
Assuming your car is insured any driver is normally considered an insured also. However, if this driver is a spouse, child or someone who regularly drives the car and the "driver" has a bad record and you don't want to pay the premiums, your insurer could deny the claim. Also the owner of the car is ultimately responsible lending your car out ruins friendships.
Your insurance rate will increase.
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.