Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
First of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
Only if the car you are riding in has insurance coverage.
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
Depends on your location, age, driving record, type of coverage, and the insurance company you have chosen.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
The level of coverage generally depends on your insurance companies. Most quality insurance companies will cover you in the company car, however.
You always need insurance when driving any sort of motor vehicle. Even if it is a motorcycle, there are insurance companies that have coverage for it.
the owner of the vehicle is responsible for the ticket. he/she/they are legally required to at least have the minimum liability coverage your state requires.
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
The Property Damage coverage on the car you were driving should cover the damage to your own car. In the event that the car you were driving didn't have insurance coverage then you may be able to make a claim under your own Collision coverage or Uninsured Motorist Property Damage coverage could apply.
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.