typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
If the accident goes on your driving record, yes.
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.
As long as you have a license. The insurance follows the vehicle, not the driver.
the owner of the car as in you not your friends sorry
Only if the friend gets into an "at fault" accident.
Yes, unless you are under the influence of alcohol or drugs