Who knows. Even if they do, you have no insurance coverage and they have wasted their money. The insurance company can not and will not pay any claims arising out of any incidents with a vehicle that does not belong to to the policyholder. Purchase your own insurance. It is a legally binding contract in which you state that you own the vehicle and that you have listed all household members and/or drivers and that you agree to notify the insurance carrier of any changes to such.
If you are willing to charge this driver with auto theft it probably will. If not, the insurance company will assume you are giving him permission after the fact.
Although it depends on your insurance, the driver is covered if driving with your permission.
Yes, in most cases, but have mercy on the person that took your car. The insurance company will go after them
No way! The insurance certificate specifies who may drive. It will not include unlicensed drivers! Even a licensed driver, but driving without the owner's permission will not be covered by the car owner's insurance.
ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.
Why would you need to give someone written permission to drive? You would first have to add the person to your insurance as a driver. Giving them written permission doesn't change this requirement.
The answer should be yes to both parts of the question. You should notify them.
I sense that this person driving your car without permission is a resident of your household. Without a police report of the theft of your vehicle then the person driving your car, especially if they are a resident of your household and reasonably knew where to find the keys, would have presumptive permission to use the car and your insurance will have to pay.
Technically yes and no. While they can't actually add the driver, they can rate the insurance coverage as if that person would be driving a vehicle. For example, if you had a child who had just gotten their license, and you named them as an excluded driver of your vehicle, yet they somehow managed to get into a small wreck and have to file a claim, your insurance carrier would likely deny the claim on the basis that the driver was excluded, as well as rate your policy as if they were going to be driving the vehicle, without actually adding them. Moral of the story... don't lie to your insurance company.
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
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?