you need to get down to your dmv and fill out a release of liability form.
yes yes
Driver's licensure is a condition of getting auto insurance.
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.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Yes.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.