It is quite possible, you see a claim still resulted from your actions and payments will still have to be made by the insurance company to fix whatever got ruined. So it can count against you.
It is highly unlikely.
The at-fault driver's insurance will pay for all property and bodily injury damages.
yes yes
Driver's licensure is a condition of getting auto insurance.
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Yes.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
Property damage liability coverage is a type of auto liability insurance that covers the policyholder in the event that they cause an accident and are found to be at fault. It provides financial protection for the policyholder in the event that they are sued by the other driver(s) or other party involved in the accident for damages to their property. It pays for the repair or replacement of the other driver's vehicle or other property that was damaged in the accident, such as a fence or a building. It does not cover any damages to the policyholder's own vehicle. It is mandatory in most states and is typically included as part of a standard liability insurance policy.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.