An Umbrella policy
Unless your policy specifically covers ANY driver to drive your car, then all drivers that do drive your car should be specified (by name) on your policy.
Your question makes no sense at all. Of course a plate holder cannot drive a car.
Auto insurance has a policy. Each policy has its own limitations. If you drive a car more than any other member of the household then you are considered the primary operator and should be added to the policy. If you live in the household you must be added to the policy unless excluded from driving any of the cars own by the policy holder.So, to answer the question. You can "get by" with minor fraud by driving the car the majority of time without being on the policy unless you live in the household of the policy holder. In my opinion, it would be advisable to keep logs of how much the "guest" driver is using the car in case there is a question of majority usage.
Fault does not really matter, the claim will go under the policy that the vehicle is insured under as long as the driver of the car had the owners permission to drive the vehicle. Be careful though, some policies are "named driver" policies and if the driver of the car was not listed in the policy, there may not be any coverage. If that is the case, and the driver has their own policy, you can try to attach to that policy.
no but you need a dealership-man
Yes but on your own land you can drive any car on your own land but to drive on the road you have to be atleast 15 with a drivers permit and accompanied by a license holder over 18
No only those designated by the insurance holder may drive the car.
Read the policy. Generally, you can drive the car mentioned on the policy and any short term rental car. Laws are different in every state. You should call your agent for clarification of your coverage.
A named non-owner policy. Or a dealers blanket policy (what car dealers use)
Yes, as long as she has a drivers license. You are the name insured on your policy all other legal drivers are allowed to drive your vehicle as an occasional driver.