They could swerve into somebody's car and cause a collision
Chargeable Collision: A collision in which the actions of the driver of a City-owned vehicle are the primary cause of the collision. Normally, the driver will have violated state or local traffic law.
Driver error
Driver inattention, or distractedness.
As the driver is unlicensed it could be argued that they did not know how to behave on the road and therefore were the cause of the collision.
The driver him/herself:tiredness, inattention, carelessness, inexperience, alcohol,
Reasonable
One young driver condition that may contribute to a collision is inexperience. Young drivers often lack the necessary skills and judgment developed through years of driving experience, which can lead to poor decision-making in complex traffic situations. Additionally, they may be more prone to distractions, such as mobile devices or peer pressure, which can further increase the risk of accidents.
Inexperience most common cause
If a driver runs a red light and causes a collision, the driver who ran the red light is typically at fault for the accident.
In a collision, the second collision is when an unsecured driver strikes the inside of the vehicle.
Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....