Yes,, Any driver who does not meet the insurers underwriting guidelines can result in the entire policy being cancelled.
Acually no, it will just get towed.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
Once your policy was cancelled you no longer have coverage. Hopefully the drunk driver has good enough insurance to take care of your damages.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
The driver's insurance would then be considered "secondary," meaning if the owner of the auto didn't have insurance, then if the person driving the car had insurance, they would be liable.
It doesn't make sense to keep auto insurance without a car anyway! If you do get hurt in an accident where the other driver is at fault, their insurance will pay for the damages. However if you plan on driving someone else's car, make sure you are added on their car insurance policy as a secondary driver.
It is more likely you will be sued by the insured driver's insurance company. Just because the other driver had insurance, that does not exonerate you from having to pay damages if you are liable.
I work in the insurance field, and we have learned that the Youthful Operator licensed less than one year just means they are a brand new driver. In some states, there is a surcharge that is assessed to the policy because of this. The reason being is that she is an inexperienced driver and is more at risk than anyone. I'm not sure why your policy was cancelled because of this.
yes because there might be a drunk/reckless driver and you need insurance if you're in a crash to cover damages
The moral answer would be for him to pay for the damages that he caused.
The driver's insurance will take the lead, if something extra is needed, the person who owns the car's insurance will be secondary. Both will be involved to some extent.
Only until the date of cancellation, can you stop a pending cancellation. Once it is cancelled, however, it is cancelled. You'll need to reinstate it immediately or face suspension of your driver's license. However, the child can pay for liability insurance and retain their license. The only grace period is the time between now and when the insurance actually expires.