Not required, but recommended since you have a higher risk of being in an accident since you are less experienced...
Yes, you have to ad them to your policy I would call the insurance company and offer the drivers licence number to ensure coverage. there is no sense in taking chances with today's insurance company's.
If they are added to your policy as a scheduled driver yes they will be considered a covered driver.
If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.
No, the Massachusetts DMV only requires that a driver have liability insurance.
Yes
you dont have to have umpd coverage if you have full coverage but most of the time on full coverage it has umpd and if you dont have umpd your collision will pay for fixing your vehicle but most of the time there is a higher deductible on collision I know this because i am an insurance agent
If it only has liability, then it can't get full coverage benefits. If the driver has full coverage auto insurance, it may pick it up for the vehicle he's driving, but that tends to be rare.
if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing
No The person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.
Both. It covers the medical expenses of the passengers and the cost of repair to the cars. That is assuming you have full coverage.