This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.
The insurance will not stand if some one else was driving the car, in Florida.
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.
Their insurance would be primary and your insurance would be secondary, generally speaking.
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.
Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
the persons who car you were driving