Hope that you have lots of money..
Tell me your not stupid enough to drive a car with out insurance....
Your insurance rate will increase.
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
If it was someone you lent your car to, then it should
Yes
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
Certainly the person that was driving without a license. It would depend on the circumstances if anyone else did.
no
yes
Technically, You are responsible for the car because the car insurance is in your name and not theirs. You can also go to court and they will investigate to see who should pay for accidental damages on the car but the Judge can also make the driver pay your cars insurance. It can go either way you or them depending on evidence of the accident.
It depends, they could or they could have you sign an exclusion on that driver, which means that if that person ever drives the car again and gets into an accident the insurance company will not be responsible for damages.
The short answer is... yes. Insurance companies consider that situation to still be your responsibility, especially since insurance coverage follows the car first, driver second.
Your insurance is the protection; that's the nature of insurance.