Conversely, if K is not maximal, Let H properly contain K, and note that the image of H in S does not include 1. The nonzero elements in this image are not invertible. The quotient of a commutative ring is a field iff the kernel is maximal.
If R is noncommutative p(x), and hence p(y), could be a polynomial with coefficients on either side. Thus p(y) may not be divisible by y on the left or the right, and the quotient need not be a division ring.
If the kernel K is a prime ideal in R, R being commutative again, there are no elements x and y outside of K with xy in K. Moving to S, there are no zero divisors, hence S is an integral domain. Conversely, if K is not prime, and xy lies in K, then x and y map to zero divisors and S is not an integral domain.
As a corollary, a maximal ideal in a commutative ring is also prime. This because a field has no zero divisors. In contrast, Z cross 0 is a prime ideal in Z cross Z, but it is not maximal.
Now let R be the direct product of two such rings. A maximal ideal in the product is all of one component cross a maximal ideal in the other. In this case the first ring is crossed with 0 in the second. This ideal is maximal and prime, yet the quotient, the second ring, admits zero divisors. It is not a division ring - not even a domain.