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.
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.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
Yes because you where still drinking
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
Yes!
Yes, you or your parents, or the insurance company of whoever owns the car you are driving.
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.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
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, 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.