No.
No.
No.
No
Is the CAR insured? If not, it's not legal.
Not one of your own-generally you are insured by the owner's policy if you are using someone else's car (with permission)
Depends on what state you're in.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
The vehicle is insured not the individual. You can pay for and obtain the insurance in the name of the owner with you listed as an insured operator.
The car is insured not the driver however many policies have restrictions as to who may drive the insured vehicle.
that depends on their insurance policy
Yes
The owner of the vehicle buys the insurance -- for the vehicle. Cars are insured, not drivers.