Subject to any policy exclusions if they had the owners permission then they more than likely will be considered an insured driver, for the purposes of this question. They of course will need to be listed as a driver on a vehicle in the house hold, (if not immediately, will depend on the rules of your area/insurance company, then certainly once a licensed driver)
No.
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
Anybody involved in an accident. Damages are covered regardless of fault.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
Contact your agent or policy services dept for your carrier, they will be able to advise you.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
No.
No, the teeager is covered by the parent or whoever sign for them to get the 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.
no
Everybody covered by the insurance