You have to own a vehicle to insure it then you have to register it as the registered owner. So if you are borrowing a vehicle either the owner has to insure it or you have to buy it from them
You may need to check with the insurance company. Most companies will cover accidents that happen when a car is borrowed by a licensed driver.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
You both are.
Turn it into your insurance company first. Your insurance should handle everything. The way it usually works is his car is supposed to be insured so contact the "borrowed" cars owner and see if the driver is covered, if not the borrowed cars owners insurance may not pay and the owner will be liable for the cost of repairs, etc.
Not without insurable interest in a car. If you do not have a car, you do not need to have insurance. If you rent a car, you can get insurance for the rental, but that is a temporary policy. If you have permission to drive the car, you should be insured under the policy of the person from whom you borrowed the car.
The policy stays with the car. So the first line of coverage would be that policy.
You should report the theft immediately to the police and to the car owner's insurance company.
The person that the vehicle belongs to.
Let me state that the person owning the car did not have insurance on their car. a licensed driver borrowed car to run to town, and pulled over due to they ran the tags and tickets outstanding to the owner. They suspended the drivers license and not the owner of the car who did not have the insurance. The owner never even recieved a ticket for no insurance.
If the accident goes on your driving record, yes.
Its your fault
you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.