If the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record. If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.
Well, I would assume so. You were driving the car, and you were in control. If I am right, you can't blame your driving school for the accident. So in my personal opinion, yes, it is your fault! :[
Only if it was your fault. If someone ran into you, you have no control over this.
While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).
Yes. But the other person's insurance company has to agree they're at fault, you can't count just on the report. The only penalty to you is if the police gave you a ticket. The insurance companies don't necessarily look to see if you have a license but instead what happened and if you could have avoided it or not.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
Sure you can. But you will be held resposible for the accident. In otherwords, you will be held at fault, or as the cause, of the accident.
No, if their license was suspended they should not be driving, if they are involved in an accident and are at fault the other person can go after you since it is your car and then you are liable.
If you're dead.... Why does it matter?
An at-fault accident and other traffic violations will stay on your driving record for 3 years, but your insurance company may charge you higher premiums for 5 or more years.
Well Someone will sue you and the insurance will do something about it!