You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
There are many programs out there suited for accident prone drivers. Try progressive.
Only if the insurance covers more than one driver. Check the policy.
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
He gets arrested.Added: You could consult with an attorney to determine if you have a suit against the cab drivers employer. If it was an "independent" cab (driver-owned) then you might have a suit against the driver and/or his insurance company.
This Depends on the type of insurance policy. A standard Auto Insurance Policy will most likely pay for permissive use so long as the driver was not excluded from the owners policy, and was not committing a felony at the time of the accident. If the Owner has a Named Driver Policy ( AKA: Drivers Policy, Non - Owners or an Operaters Policy ) then it will likely NOT pay for the drivers accident as it only covers the driver named on the policy. It will probably pay, then promptly cancel. Getting insurance just became very expensive.
Yes, young driver's insurance is typically more costly than elderly driver's insurance, as elderly drivers are considered to be "experienced". Young drivers are typically considered to be more of a liability.
Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.
liability insurance goes with the driver, so the drivers insurance would pay for it. If the driver does not have insurance, then the owner of the car's insurance would pay if the vehicle was knowingly lent.
the driver is liableHowever if you have insurance that covers the other person by name or "any other driver" then a claim can be made against your insurance. This would make a great court case depending in which state this accident takes place!