Your rates shouldn't be affected, as long as he wasn't in an accident in your car.
Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Yep. if they did the damage.
insurance follows the vehicle, not the driver. If you loan your vehicle to someone, you assume the risk of them having an accident. Only if there is no insurance on the vehicle would the driver's insurance become effective for the loss of a vehicle not owned by him.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
Insurance follows the vehicle, not the driver.
First of all, if the driver was driving your vehicle with your permission, your auto insurance will cover the accident expenses. Automobile insurance is issued to cover the vehicle. If the vehicle was stolen, that's quite a different matter - your local law enforcement agency will have better information.
If they have insurance then you should not have to pay a deductible at all.
As long as you have a license. The insurance follows the vehicle, not the driver.