Hopefully, both you and your friend have insurance. If you do, you call the insurance companies. If the other guy caused the accident, you let the insurance companies fight it out. Likewise, if just one has insurance, you call that company. On the other hand, if you caused the accident and both you and your friend have insurance, you call the insurance companies. If just one has insurance, you call that company. If neither you nor your friend have insurance and you caused the accident, you are in deep trouble. You could be out a lot of money. In either case, you only talk to the cops. You do not assume any blame even if you are at fault. You just give the facts. You can say the light was red when I entered the intersection. You have to tell the cop the facts or you can go to prison. Still, you do not say, "It was my fault." You do not assume blame. You do not make value judgements.
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
It all depends on her insurance cover
If the accident goes on your driving record, yes.
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.
they can file charges or leave it alone, depending on how nice they are,
You could be held liable for the accident since you were driving intoxicated.
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
nothing happens.YOU will go to prison
If the person driving was given permission then all coverage should apply per the provisions of your particular policy.
As long as you have a license. The insurance follows the vehicle, not the driver.
The at-fault driver's insurance will pay for all property and bodily injury damages.
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.