Usually the Insurance underwriters would offer the licensed driver what is called a Named driver exclusion. This should not affect the cost of your insurance premium. The u/w would need to know information about the unlicensed operator (why don't they have a license? was it suspended, revoked, or are they just not licensed because of a handicap, or the person just does not drive) Once this is determined then he u/w would better know how to proceed in offering the NDE.
No, Not necessarily, There are many insurance companies that will issue auto insurance coverage to you without a drivers license. It just depends on the underwriting requirements of the insurance company. Most of the larger national companies will require a drivers license first but many local and regional insurers will have no problem with it.
When you allow someone to drive your car, you are giving them the coverage of your insurance. If they were to get into an accident, your policy would pay first.
With some companies they offer what is called a non-owners policy which allows you to purchase insurance coverage. These are used mostly because a client is required to have insurance coverage for a specific time by the Department of Motor Vehicles to straighten out their driver's license.
First, why would you need insurance without a drivers license? If you own a vehicle for some reason you can buy insurance on it as long as you are very truthful and list the drivers on the policy. You will be excluded as a driver and no coverage will apply if for any reason you drive the car.
If you have no drivers license then you have no business driving a vehicle, therfore you do not need insurance.
You can't get car insurance if your drivers license has been suspended.
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
You can be sued, and your insurance company can deny the claim.
No if you have a license no, but if you have a vehicle you have ot have a license.
If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.
You have insurance and drivers license is expired can you be ticketed
Provisional license insurance is a cheap car insurance that is mostly for young drivers. These are especially made for student drivers as well.