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the owner of the car with insurance will be responsible
Both the permissive use driver and the vehicle owner(s) are financially liable jointly and severally for all damages and injuries sustained in an "at fault" accident. Both can be sued. If you were driving and at fault. Then you are the person most directly responsible for causing the accident and you are financially liable. If the owner gave you permission to drive the vehicle, although he's not at fault, he is also financially liable because it's his car and he's the one who allowed you to drive the car. If you are not a covered driver under the terms and definitions of the owners policy then the insurance company will not pay for the accident. We should never borrow or loan out a vehicle without first verifying the driver will be covered under the policy.
A non insured driver may be held liable for the accident. Insurance is a requirement in the majority of states.
There is no way to tell other then verifying his coverage after an accident.
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
Only if the driver was responsible and only for his liability
This would require more information to answer.
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
If the driver with the suspended license caused the accident then he/she is responsible.