Short answer. Yup.
A drive out tag is a device that is placed on the outside of a vehicle to indicate that the vehicle has been inspected and is safe to drive.
Check your policy for specific coverages. In general, she can drive the vehicle, but is not the primary insured person. This means that she MAY not get 100% of the coverage. Your policy will have the answer. If you can't find it or don't understand the policy call your agent.
A license, a vehicle, and insurance.
Yes, it is possible to insure an individual and not just a vehicle.
If the commercial vehicle requires a CDL to drive it, you do.
Yes. You can also drive it home, to the store, school, your friend's, and even your grandma's.
No. It is a violation to "operate" a motor vehicle on suspended licenses. It is illegal to drive the vehicle even on a test drive. Now that is if you were to drive the vehicle on a public highways, roadways, and streets. You could drive the vehicle around the parking lot (if private property) or on some one's private property is legal.
If your license is suspended, you should not be driving any vehicle, including a company vehicle. The company should not allow you to drive.
To drive one vehicle into another
Anybody who fits the legal requirements to drive in that jurisdiction, and has permission from the vehicle's owner, can drive the vehicle.
the owner of the vehicle that hit a pack car will be liable for the loss, and later subrogate from the unpermited driver
Yes, a driver's license is required to legally drive a vehicle on public roads.