No. The driver is responsible.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
It would depend on the state the accident was in. State laws would determine who is responsible. in California the renter is responsible regardless of fault. Also if you accept the LDW (Loss Damage Waiver) and you violate the contract the LDW/CDW is void. So if an unauthorized driver was driving the car and got into an accident, the renter would still be responsible.
The uninsured part would mean that the person or persons responsible would have to pay for it. If they have an accident in someone elses car they will probably be questioned in court.
Only if the driver was responsible and only for his liability
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
Well, I would assume so. You were driving the car, and you were in control. If I am right, you can't blame your driving school for the accident. So in my personal opinion, yes, it is your fault! :[
You may be responsible. If you serve alcohol to your guests (which you would if you were hosting a party) you can be arrested especially if there is a fatality. I've read about it happening.
The only way that can be a bad thing is if the car is stolen. You would have had to report it stolen prior to the ticket or accident.
you would as stated in article 903.48.3 of the united states government law association http://www.mlaus.org/
The person operating the vehicle is the first one responsible. The owner of the vehicle can also be held responsible. If your under 18 and an adult allowed you to drive, they can be held responsible if, they knew you would operate it recklessly or knew you didn't have a licence.
The primary insurance would be the policy that insures the vehicle.