No, It is a crminal act to take anothers vehicle without their permission. The owner of the vehicle is not responsible for damages caused by a crminal in that act of auto theft or other non-permissive use.
you got to jail for not having insurance or a vaild license and you are personally liable for all the damages you caused.
Designated officials at your States Department of Insurance or equivalent can authorize and issue a temporary Insurance License under certain circumstances.
In most countries a driving licence could not be taken as payment or punishment for damages owed to an insurance company as that you be a civil matter.
State laws vary on at-fault crashes, but if there's clear evidence the other car was at fault in the crash, their insurance should pay for the damages. However, if you have no valid drivers license, that should be amandatory court appearance. If you want to drive, ontain the training and license necessary to do so.
yes because there might be a drunk/reckless driver and you need insurance if you're in a crash to cover damages
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.
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
Insurance adjusters are the ones who settle claims. They take care of all the time consuming and complicated documentations like police and medical records, interviewing witnesses and inspect property damages. Texas Insurance adjusters are required to pass the Texas licensing exam and obtain insurance license. Insurance exam and its courses must be TDI(Texas Department of Insurance) Accredited. There are insurance licensing exam providers online that are accredited and authorized by different Insurance organizations.
No.
First of all you need to get insurance as soon as possible. 2nd you need to report the claim if you don't you will not get pay for the damages. If you don't get insurance your license might get restrited for not having insurance and been involve in an accident.
I believe most insurances will cover the damages if the car is insured and you have a license, but if you do not have a license the insurance will not cover anything you are both liable. Your friend is liable for loning you the car without a license and you are liable for driving it.
Your best bet is to sue the person for your damages and let the law take care of the other part.