No. If you are only vacationing or visiting for a short time.
Yes, your home is covered by your insurance while you are traveling.
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
insurance
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Insurance companies normally pay out according to who was "at fault" in the accident. A court may decide that breaking a traffic law, (driving while suspended), places you "at fault". If there is substantial money or additional traffic penalties involved you need a good lawyer to sort it out.
Insurance rates are based primarily on your personal driving habits and record, so if you receive a ticket while driving a rental car it can still be reported to your insurance company because the citing officer has your drivers license information. So in short, it is definitely possible for your insurance company to raise your rate based on a speeding ticket you received while driving a rented vehicle.
yes. it goes on your record and insurance companys look at you record from time to time
Yours
Categorically no. The insurance relates solely to driving on company business.
Only if your driving a car while your there.
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
Certainly, you can get liability insurance which will cover you while driving someone else's car.