You need to check with your agent. In some cases, accidents involving relatives are not covered.
the person that is found responsible ( at fault ) for the accident
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
Whether the car is insured is not important, the point is who was at fault in causing the accident, it could be the person whose car is insured that is at fault.
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
how do i self insure my vehicles
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
Yes, if it was a "true" accident. My wife once backed in one of our cars from the garage and didn't notice the second car was in the driveway.... Yes, stupidity but it happened. It wasn't fabricated a mere distraction. The bad part is that being your own insurance, they will charge you 2 deductibles, one for each vehicle.
Is this about an auto accident? Are you a young driver who didn't yet have a regular license and was driving with only a learner's permit? What do you mean "you aren't insured"? Drivers aren't insured; vehicles are. Was the car insured or not? If not, what were you doing driving it, and what makes you think there's even a remote chance that insurance will pay? (Unless you're talking about the other driver's liability insurance -- assuming there was another driver.) Or are you some sort of contractor who was working on some sort of job without a work or construction permit?
As with all such matters, you should consult a legal professional to protect you rights. Generally, YES both VEHICLES should be insured (but that requirement may vary in some states). Drivers are NOT usually insured unless they hold special vehicle licenses or have personal umbrella coverage. But drivers should be prepared to present proof of coverage for the vehicles they are driving; when requested by law enforcement officials and other drivers after an accident.
If you get into an accident in New Jersey and are not insured, it will cost you a substantial amount. The cost to repair the vehicle, pay the fines if responsible for the accident and possibly have to pay for some damages done to other vehicles or public property.