Subject to any policy exclusion, he more than likely will be considered an insured driver and therefore coverage, however he will then need to be rated on the vehicle. (if he is an excluded driver already on your policy, then unfortunately you have a problem, no coverage for yours or the other vehicle).
If the vehicle has insurance it will cover damage to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the damage to the vehicle that you where driving even though it is not on your policy.
As long as you have a license. The insurance follows the vehicle, not the driver.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
If you don't own a vehicle, or have no intention of driving, you do not have to maintain auto insurance.
Ultimately, the driver is responsible for everything that happens while the vehicle is moving. The DRIVER is supposed to verify that the vehicle he is driving has insurance. I have been in this position, as the owner of the vehicle. And trust me it is the owner that gets the huge fine.
Your insurance won't pay for any damage or injury to persons or vehicle. (unless they were driving legally with a drivers permit)
His liability insurance on his car should transfer to the vehicle that he is driving.
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
Is driving without insurance
When driving behind another vehicle at night,
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.