Your insurance will pay for the other persons car, and their insurance (if they have it) will pay for yours, if not, you can sue them. This is assuming that both parties are legally At Fault.
The owner's insurance will pay if he has collision coverage. It Doesn't matter who was driving. the owner will have to pay the collision deductible, unless he wants to press charges against his buddy for "stealing" the car in which case the owner will have to pay the Comprehensive deductible. If the owner has neither collision nor comprehensive, then the owner is out of luck. The buddy's (who borrowed without permission) insurance company is not responsible for anything. They were not insuring that vehicle only his liability (damage he causes to people and vehicles that he hits but is not occupying)
Absolutely they will want a police report. Not only that but they will also insist that you press charges unless you decide that you did give him permission to use the vehicle. If you gave him permission the accident will count against you and your policy. If you press charges, then it will not count against you.
no they cannot. it is against federal law. they must have permission to leave or it's off for 12 mos.
illness
Yes it is against the law, because by running someone's credit without permission is committing Fraud.
The would probably be no "result". I dont know what state you are in been the general age of adulthood is 18, 17 in michigan. When they are of age you have no legal recourse against her or her boyfriend. But, your local police dept can answer your question over the telephone.
Techically he can't get a restraining order against the boyfriend because it would probably be against the law.
Seatbelt
No its not. If you are young you need your parents permission. :)
Against Our Will Campaign - 2011 Boyfriend 3 1-3 was released on: USA: 2011
as long as niece had permission, it goes against owners insurance. a case could be made to go after legal driver supposedly supervising, but most states go through the veh first, then the driver.
Assuming your friend has insurance, they would file a claim against the other insurnace company. If your friend doesn't have insurance, you'll have to pursue your firend civillay to recover damages. Insurance follows the driver, not the car, so it doesn't matter which state the accident was in.