If they were the permissive driver of your vehicle in an accident (and got the dui), your policy will be paying for the damages (subject to any policy exclusions, and assuming the drunk was At Fault) Insurance stays with the vehicle. So any rate increase that this accident generates will be on your policy, as well (of course) as your collison deductible. If you are asking what happens if they were just driving your vehicle and got a dui, no accident or loss. I doubt anything will happen. You might want to rethink who you let drive your vehicle though.
No.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Yes
Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
If the law requires you to have insurance (Auto Liability) or someone else does (your mortgage company, your auto lender) you could be in hot water if you don't have it. Otherwise, you don't have to have insurance.
No. Auto insurance is just that ... an insurance policy for the automobile, and those who ride in it or drive it. If you have the full permission to drive someone else's car, and they have the proper auto insurance in full effect, then you are covered under their policy. If you are going to be driving their vehicle most of the time, then they need to add your name to the policy.
They must have some sort of insurance coverage, whether their own policy or on someone else's.
Some states do require you to provide it to the other carrier because they need to prove you had valid liability coverage at the time of the accident.
Not for your own. It could possibly cover someone else suing you, however.
Yes, it does not matter if you have your own policy or are listed on someone else's policy, you will be surcharged for the DUI probably for the next 5 years.
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
No. Liability insurance covers damage you do to someone else's property. Theft would be covered by comprehensive insurance. In most jurisdictions, liability insurance is required but comprehensive is not.