No. No kind of insurance covers drunk driving.
liability insurance goes with the driver, so the drivers insurance would pay for it. If the driver does not have insurance, then the owner of the car's insurance would pay if the vehicle was knowingly lent.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
Typically a first time driver will pay a significant amount more in car insurance. This can be anywhere from $200 to $300.
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
Medical or Health Insurance
It is more likely you will be sued by the insured driver's insurance company. Just because the other driver had insurance, that does not exonerate you from having to pay damages if you are liable.
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
If they have insurance then you should not have to pay a deductible at all.
Yes.
No The person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.
If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).
It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.