They're pretty much obligated to do so, but recognize that you will probably be dropped from coverage as soon as they discover the DUI on your record.
No Drink Driving is breaking the rules and your own choice
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
Only if the car you are riding in has insurance coverage.
Drinking and driving is illegal everywhere. No insurance company can provide a policy for illegal activities. Drinking and driving is dangerous, not to mention that if a car accident were to happen, insurance would not cover it.
Yes because you where still drinking
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
Yes you can but you may be surcharged and your premiums increased depending on your prior driving record and the kind of coverage you had.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Comprehensive coverage differs from collision coverage, although both are components of what is known as "full coverage". Comp covers damage done to your car not as a result of an accident, such as from a falling tree, weather, or "acts of God". You did not necessarily have the wrong insurance, but you did not have the insurance you needed for an accident.