Check your policy, it may have a clause that says it does not cover the vehicle when it is being used for commercial/business purposes.
You would call the insurance company of the person's car that you are driving. The insurance follows the car and not the insured.
If the vehicle has insurance it will cover damage to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the damage to the vehicle that you where driving even though it is not on your policy.
Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
They wouldn't know someone was driving your car without a license so it would go up. However, if they have a wreck in your car the insurance company will most likely not cover the accident because the person didn't have a license.
There are many insurance companies which provide coverage on wrecked vehicles. Typically, these vehicles will need to be fully insurance. Liability insurance does not cover a wreck. Geico, Progressive, Allstate, and State Farm all have policies which cover a vehicle in case of a wreck.
Drivers are required to have insurance. If you wreck your vehicle, the insurance company will pay for it. If you are driving without insurance in a vehicle that is not paid for, you still are obligated to repay the money you borrowed to buy the car. It is not the bank's fault that you wrecked the vehicle.
Whether the drivers injures are covered under the insurance depends on the type of insurance carried. It also depends on if the wreck was their fault or not.
Depends. If you are at fault, the other insurance company has to cover property loss. Personal property loss is most likely an option (not basic coverage) on your policy.
If driving a company truck when not at work you are reliable for everything. If you wreck you could get fired and have to pay for damages.
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your insurance carrier or refer to your most recent coverage letter from the company.
It does cover your liability for property damage and medical expenses if you were at fault. If you have collision insurance, your vehicle will also be covered.