A parent is liable of any damages their children do.
The car owner is not liable for any damages caused if the vehicle was stolen.
The unauthorized driver will be held responsible, unless there's proof that the vehicle owner did grant that person permission to drive.
Yes
In a Non Permissive use accident, The insurer does not cover damage or injury to another party, However damage to the vehicle being driven will likely be covered the same as if the vehicle was stolen and damaged.
You will face criminal charges for not presenting a drivers license at the time of an auto accident or operating a vehicle without any license at all. Fines and jail time as well as criminal sentencing will vary state to state.
If they took your car without you permission, it is a vehicle theft. You would not be civily liable for an accident. Where the waters get muddied however, is if that person has driven the car with your permission in the past. He could use that as a defense in a criminal matter, because he could say that the permission to use the car "stands". It is doubtful you would incur any liabilty.
No, not without your permission.
With permission of the owner of the vehicle and the property, you could do so without legal consequences. However, if you did something to damage that vehicle or caused damage to property with that vehicle, insurance would reject the claim.
Absolutely they will want a police report. Not only that but they will also insist that you press charges unless you decide that you did give him permission to use the vehicle. If you gave him permission the accident will count against you and your policy. If you press charges, then it will not count against you.
If a company allows you to drive with a suspended license and you have an accident, they will have a nice lawsuit on their hands. You will also be held accountable because you are knowingly driving without a license, which is against the law.
The answer should be yes to both parts of the question. You should notify them.
only if you are on the tittle
Generally yes , UNLESS they took your car without your permission, in which case you should have them arrested for car theft to protect yourself financially