If the car you are driving is insured then you are not driving without insurance.
I could be wrong, but im pretty sure its not illegal to be without car insurance in the state of Florida.
If you're dead.... Why does it matter?
Yes. You can even get insurance without a license. However, if you get into an accident and you're found driving alone on a permit, or you're found driving without a license, it will void your policy.
depends on the insurance company
The first time is one time too many. If you do not carry insurance, which is the law, then you should not be driving. Insurance covers the event of accident and protects those who might be in an accident with you.
The VEHICLE that you are driving must be properly insured.
Driving without a license is a crime. If you report that you where driving your dad's care without a license, you could get yourself into trouble, and put your dad's rates though the roof. Do not call the insurance company and tell them you where driving unlicensed. If you have your permit, and where driving legally with a licensed driver, and you had an accident in your dad's car, yes, you can report it and his insurance may cover it if he has that type of policy. If anything, your dad could report that he had the accident, though that would be dishonest.
You insurance will be invalidated and you could be prosectuted for driving without insurance or MOT. Needless to say you would have to pay for any damages at the least.
Probably reckless. "Careless" implies something done by accident, like swerving over the line momentarily. "Reckless" implies something done willingly, without regard to the law or consequences.
The at fault party is still liable to pay the damages. Added: Both parties will probably be cited for driving without insurance as well.
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.