Only if the other persons insurance covers anybody who drives the car.
you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.
No. The driver is responsible.
Although it depends on your insurance, the driver is covered if driving with your permission.
Yes. Insurance companies can refuse to insure someone if they feel the vehicle will be used in an "at risk manner." Someone doing delivery service is more likely to have an accident, because of the increased driving.
yes
depends on the insurance company
If the person driving was given permission then all coverage should apply per the provisions of your particular policy.
it might not affect you current policy but after renewal the points you received in that accident with Hurt you.
Take them to small claims court for the damages. If they didn't have permission, you should have reported it stolen and had them arrested.
huh ? o.O -.-
Yes.
It should, if you let someone borrow your car, coverages should apply.