If you are a first named insured on your policy then your liability coverage would extend to any non-owned private passenger vehicle you have permission to operate.
No, it is insurance fraud/ identity theft.
No. * i say Depends on your policy. Call your insurance person.
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.
Liability Insurance
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
Yes, it doesn't matter who pays the bill.
The other person's insurance covers damamge if it was their fault.
When driving behind another vehicle at night,
No. The insurance policy stays with the owner of the car. If the car is sold to another person, the NEW owner must obtain his own insurance.
Insurance that a person purchases for his\her car, motorbike.
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!
Nothing happens if a person that hits someone in their vehicle and their insurance is covered through another state than the accident happened at. Car insurance companies will pay for damages no matter where they happen at.