No. The car is insured and your son's policy will provide coverage up to its policy limits.
Yes!
99% of all insurance companies will cover such situations.
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.
It is highly unlikely.
It depends on the policy provider but my Allstate Insurance covers licensed drivers who drive my vehicle with my permission. Mine also covers me when I drive an uninsured car.
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Uninsured motorist coverage
I hope you had insurance for this. The uninsured motorist will probably be broke