If they are added to your policy as a scheduled driver yes they will be considered a covered driver.
if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing
If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.
Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.
Yes, if they accept liability and they will pay up to the limit of property damage coverage.
Yes
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your insurance carrier or refer to your most recent coverage letter from the company.
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).
If you were in an accident yes it would, if you are talking about having insurance to cover criminal charges and fines, I'm pretty sure that is illegal.
Yes, it will. The fact that the other driver had no license has nothing to do with coverage and liability.
It depends on the individual policy. Most full coverage auto insurance policies will cover the driver no matter what car he or she is driving, but not all. Check with your insurance agent. to see what SPECIFIC coverage you have before you waive the rental insurance at the rental office.
You can get insurance to cover collision in Illinois. Simply check with your automobile insurance provider and add collision coverage to your coverage.
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.