No, I have never seen a citation for carrying insurance for an unlicensed driver. I recommend that all drivers should be insurance whether they are licensed or not.
Driver's licensure is a condition of getting auto insurance.
Why not. That unlicensed vehicle owner could be disabled and hired a licensed driver to drive the vehicle.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
They may not if there is a clause in the insurance agreement that the insurance will not be paid out in the event that an unlicensed driver is in control
yes it will
Well if a cop stops them, they will get arrested and you will be in a lot of trouble.
Let's see if I can follow this. Insurance company A is at fault because of actions caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property damage as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving violation and Driver B will have to pay a substantial fines for these issues.
Your insurance will likely cover the liability costs less deductibles. You may be forced to file charges for vehicle theft against the unlicensed driver and your insurance company may also sue him.
This will depend on the type of insurance coverage. The insurance company can decide to go to court and argue that since the driver was uninsured, then they should not be liable for damages.
It is highly unlikely.
Yes
An unlicensed driver will probably get cited for not having a license and may even get their car impounded, but is not automatically at fault. The person that the police and insurance company determine caused the accident would be at fault.