This is different from policy to policy. You need to check the owner's policy to see what is covered. If the owner didn't pay for such coverage, then the damage is not covered. Provided the owner is paying for comprehensive and collision coverage the damage will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
If the car you are driving is insured then you are not driving without insurance.
You would be covered by the insurance on your friend's car if you are driving it with their permission. To be safe, get the parents' permission, not just your friend's. It may be that your friend can't give a legally binding permission.
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
Is driving without insurance
Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
No.
As long as the insurance is in your name only you just call the insurance companyBUTThis may be illegal unless the person driving the vehicle knows and agrees
Do you have any insurance. If driving, they ask for your proof of auto insurance.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
To drive another person's car you must be a named driver on the vehicle's insurance policy.
You need to add him to your insurance or he must have his own. Your boyfriend is not automatically insured.