First of all, you should consider a lawsuit ONLY if there were injuries or extensive vehicular damage that isn't covered by your policy's underinsured or uninsured motorist coverage. This is the type of situation that underinsured or uninsured motorist coverage is for, so it should take care of it. If your case is a valid one (you aren't just trying to get a big cash settlement), I think you can still pursue it. The incident happened in your state and regardless of current residency, she will have to deal with it (e.g., if you get a ticket in another state you still have to respond). Also , in general, you don't have to be in the same state as the potential defendant to file a lawsuit.
that does not matter, the person who rearended will be at fault
Yes. When your car is parked all medical bills and repair costs are the responsibility of the person who hit your car.
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
Liability Insurance
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
Yes, it doesn't matter who pays the bill.
When driving behind another vehicle at night,
Insurance that a person purchases for his\her car, motorbike.
No. The insurance policy stays with the owner of the car. If the car is sold to another person, the NEW owner must obtain his own insurance.
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!
Nothing happens if a person that hits someone in their vehicle and their insurance is covered through another state than the accident happened at. Car insurance companies will pay for damages no matter where they happen at.
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't