The cheapest way to do this is just to have personal use added onto your current business auto policy. It's much more cost effective than buying a separate personal policy when not on company business.
You would call the insurance company of the person's car that you are driving. The insurance follows the car and not the insured.
The insurance for the vehicle you drove will be primary, your personal insurance will be secondary. Be honest and give them the info for the person who owns the car, and your personal insurance info.
That's a personal opinion but the person who is driving under the influence, not not at all that person's insurance shouldn't have to pay for it. If there was a victim involved, that other person's insurance company should pay the victim and maybe arrange for the person with the DWI to pay them back, or if so the person who did the DWI pays the victim.
When driving behind another vehicle at night,
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.
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If what person is driving the person that was hit or the person that hit?
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
Maybe if the person driving is a named driver on the policy but you would have to check with the insurance company.
An Actuary is the person in an insurance company who calculates the premium
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
Yes, you can buy auto insurance with an international driving permit.