Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
Your Insurance Rates will almost always "decrease" when you obtain your permanent Drivers License, barring any accident or tickets having accumulated while you had the learners permit.
You get auto insurance for accident prone drivers the same way as normal drivers. You will need to provide relevant car details and your driving history information and then receive insurance policy quotes. Insurance premiums for accident prone drivers are generally much higher.
True
It is best to wait til you have your drivers license, I would check with your agent but you should be covered with the learners permit.
Yes you do If you have a learners permit, you should always be accompanied by an adult that has a valid drivers license , And yes the car most be insured.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
There are many programs out there suited for accident prone drivers. Try progressive.
No. In any US state insurance companies are only allowed to sell auto insurances of any kind to licensed drivers. The reasoning for this is because in the event that the person with the learners permit fails their road test(s), then the insurance companies are not held liable in the event of an accident. That is why there is a manidtory requirement that the person with the learner's permit drive with a licensed experienced driver in the car at ALL times, so in the event there is an accident, the insurance company will cover it under the licensed driver's policy.
Yes.
Yes, children with a learners license should always be reported to your insurance company. Most companies will not charge an additional premium for drivers with a learners permit but they must be added as a driver.
Try this site where you can compare quotes from different companies yourfinance.co.cc
Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.