Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.
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.
As long as the Adult:Has properly informed the insurance companyHas insuranceWas not drunk or otherwise negligent.
how do i get car insurance with just my learners permit?
Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.
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.
Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
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.
It all depends on the state in which the accident happened as well as the type of accident.
Do not know what you mean by 'insurance loan'?
no