Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
If the accident was your fault, the other party's insurerhas no duties owed you.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
It depends on what state you are in; most states require PIP (Personal Injury Protection) to defray the costs of an accident where at least one of the parties is uninsured.
Yes because you where still drinking
You insure a car for a person or persons, so that in the event of a accident with that car, insurance can be claimed only if a named driver on the insurance was driving at that time.
Your insurance won't pay for any damage or injury to persons or vehicle. (unless they were driving legally with a drivers permit)
The insurers of the driver who was deemed to be at fault for the accident.
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual.
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.
the persons who car you were driving
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.