Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are 18 or younger, most companies will not charge you to be on your parents policy with just a permit.
Although it depends on your insurance, the driver is covered if driving with your permission.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
Only if the car you are riding in has insurance coverage.
This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.
It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
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.
If you have full covered insurance YES. Otherwise it will only cover the other person. DUI accident its just like a regular accident, with the difference that you will go to jail.
No. He will get a ticket. His parents will have to pay all the expenses related to the accident. The parent's insurance probably won't pay anything unless it is covered under uninsured motorists section. I don't know about that.
Yes if she is not specifically excluded from the policy (you would have had to complete a form akin to the 'named driver exclusion'). The insurance follows the vehicle and anyone driving it with your permission, as long as they are not excluded, is covered.
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.