Yes. If a claim is made and found valid, his insurance rates will probably increase. It depends on the past history of the insured of how much the premium will rise.
As long as you have a license. The insurance follows the vehicle, not the driver.
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
It all depends on her insurance cover
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
NO! Buy your own insurance! Or get him to!
you must have your own insurance on the vehical to be covered, if you did not have insurance you are braking the law and therefore no there is now way out.
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
You can buy a "Non-owners" or a "Named Operator" policy that will cover the damage you cause to the other party for injuries or property damage to the other vehicle. The only way to cover damage to the vehicle you are driving is to have the owner of the purchase a traditional auto insurance policy, with comprehensive and collision coverage, and then list you as a driver on their policy.
If the accident goes on your driving record, yes.
Whether the drivers injures are covered under the insurance depends on the type of insurance carried. It also depends on if the wreck was their fault or not.
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.