Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.
No.
Although it depends on your insurance, the driver is covered if driving with your permission.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
no
Everybody covered by the insurance
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
No.
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
A multitude of topics are covered on car insurance forms. Some examples of topics covered include the following: how to make an insurance claim and what to do after an accident.
Contact your insurance provider and go over the policy to determine if you are covered for said accident. Not all accidents will be technicalities or covered, so its good to be in the know. Contact your insurance providers immediately.
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.