You are liable for the damages to the property that was struck which belongs to others. If you have coverage for the car you were driving, (Collision) the deductible would have to be paid. If there is no coverage on the vehicle, then it's up to the owner to repair and whatever arrangements were made prior to the accident.
It all depends on the state in which the accident happened as well as the type of accident.
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then your both screwed
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
Your Insurance Rates will almost always "decrease" when you obtain your permanent Drivers License, barring any accident or tickets having accumulated while you had the learners permit.
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Tuition Payments; Formal Classes
No they won't. A learners permit is not a valid license. They shouldn't be driving without a licensed driver. The owner of the car can be held liable. They can be sued for allowing an unlicensed driver, drive their vehicle.
Lawsuit if driver has an accident.
It is more expensive but the risk of a car accident is much higher. In case of a lawsuit it is well worth it.
Contact your agent or policy services dept for your carrier, they will be able to advise you.
As long as the Adult:Has properly informed the insurance companyHas insuranceWas not drunk or otherwise negligent.