Their insurance would be primary and your insurance would be secondary, generally speaking.
Yes!
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
the persons who car you were driving
To drive another person's car you must be a named driver on the vehicle's insurance policy.
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.
If you were cited then you need to appear, if you have coverage on another vehicle then you should bring that proof with you as you should be technically covered for driving another persons vehicle.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.
Yes, it can cover you depending on the reason you were driving another persons vehicle.Remember that auto insurance follows the legal liabilities of the named insured. If you were driving another persons vehicle under the "replacement vehicle rules" then yes your liabilities should be covered under your own auto insurance policy.A replacement vehicle is typically defined as a borrowed or rented vehicle that one is driving because their own vehicle is under repair, broken down or otherwise unavailable to you at the time.If you were just driving your friends car for the fun of it then you should contact your insurance agent for coverage advice.
No, the state does not notify insurance companies each time a person gets a ticket. It is up to the insurance companies to periodically get a persons driving record. Surprising to most people insurance companies don't do this all to often. It's expensive so they usually only get your record if you give them a reason to such as file a collision claim.
no
It depends on what state you are in; most states require PIP (Personal Injury Protection) to defray the costs of an accident where at least one of the parties is uninsured.