If you have a vehicle/policy of your own or that you are rated on, then it more than likely will step in, (subject of course to any exclusions), the owner and driver both are responsible.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
Sure. If you have no valid license, you have no business driving a car at all. If you weren't driving illegally, you wouldn't have had the accident.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
Only if the driver was responsible and only for his liability
It could be, I would file a claim to make sure.
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident
Yes, you can get a not-insured ticket, if your jurisdiction has such a law. the fact you didn't cause any accident doesn't mean you weren't driving without all legal requirements, so you broke the law anyway.
Assume you mean if driving your car uninsured and has an accident. In California. She'd be arrested and charged with a crime. You would be sued for all damages and maybe charged with a crime yourself. And If anyone is hurt or killed in that accident- Other criminal charges could be brought. So ask yourself is it worth it
Whether the car is insured is not important, the point is who was at fault in causing the accident, it could be the person whose car is insured that is at fault.
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
Call your agent. I do not know your state law.