no
Yes, your daughter can drive your car in another state as long as she has a valid driver's license and permission from you to use the vehicle. It is important to check with your insurance provider to ensure that she is covered while driving in another state.
Yes, if your daughter is on the policy, either disclosed as a driver away at school in another state or she is on the policy and is just travelling to that other state and will be there no longer than 5 days in most cases.
Comp! Collision is to fix your car if you run into something besides a car (i.e. garage door, fence, pole, etc....)
these are generally considered under the 'collision' portion of the policy.....
Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.
Not driving.
It depends, if the policy is a named driver policy and you are not listed as a driver then no you are not covered.
NO!!
when drivers fall asleep at the wheel
That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.
This is different from policy to policy. You need to check the owner's policy to see what is covered. If the owner didn't pay for such coverage, then the damage is not covered. Provided the owner is paying for comprehensive and collision coverage the damage will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.
driving fast