If the driver is not licensed, but he or the family owner is with a up to date policy, it's doesn't matter, the insurance company should be liable. There is damamge on your vehicle and from the other vehicle, and you have a police report and hope that you have a case number when the report was made at the scene, you should not have a problem. Same situation happened to me, now the police would like to talk to the guy so they can arrest him for failure to give information an other things. Here's the catch, if you are the only one who seen him drive and hit your vehicle, chances the police have little to go on and he gets away, but if you have a witness, chances are good to lock him up! The reason why he fled was he was drunk or have been drinking or drugs. Now of course he had no license too! Your insurance will see to your vehicle in getting fix, in the mean time do your own investigation about getting that guy info and you will be fast than the cops!! Keo
If the owner of the truck allowed an unlicensed driver to take the truck, then the owner is responsible - even if the driver lied about where he was going. If the unlicensed driver just took the truck, then a police report would need to be filed and charges pressed against that person - he can be sued for damages.
A cosigner cannot be someone with no license! If the car is registered to you, you are responsible tickets and fines. The unlicensed driver can be ticketed and fined. If you are not with your car as the owner, your car can get towed away because the police cannot let an unlicensed driver back behind the wheel !
The unlicensed driver is responsible for all damages. If they are a minor the parents may be forced to take responsibility. Sadly, the owner of the vehicle MUST make any insurance claims they are eligible to make. The owner can ask the unlicensed driver to pay any excess on the insurance and even take them to court if they refuse to pay it. The driver of the vehicle is responsible to pay any amounts not covered by the vehicles owners insurance, including damages to the car. If the insurance premium goes up or you loose your no claim bonus then I'm sorry but the driver is not liable for that. If the unlicensed driver drove the vehicle without permission from the vehicle owner then the vehicle owner must report that the car was stolen at the time of the accident, then provide the insurance company with the police report number (you can tell the police you don't want to press charges). Under these circumstances even if the insurance company pays out damages for the vehicle they may chase the unlicensed driver to pay them back.
Technically, the insurance company should cover the costs of the other vehicle. If the unlicensed driver took the vehicle without permission, the owner may even be able to collect on the collision insurance to cover part of their expenses, but if he/she does that he/she will probably have to show a police report that the unlicensed driver took the vehicle without permission and that it was technically, automobile theft. On the other hand, the insurance costs for the owner may to up dramatically whether the owner gave permission or not. It all depends on the insurance company and how they view the circumstances. The unlicensed driver may not be allowed to get a drivers license for several years, depending on state laws.
So at this point depending where you live:You may be responsible to pay all damagesMay be charged for both misdemeanor and Felony crimesYour insurance company may decide your car had no coverage because you allowed another person to drive it. The only up side is that your local police MAY allow you to charge the unlicensed driver with auto theft as he lied about his drivers licence. If they do your insurance should cover this.If the police decide that you knew or should have known about his drivers licence problem and if he harmed someone you would be a co-defendant in any criminal prosecution.
No. Just the fact of being unlicensed does not mean that the driver did something that caused the accident. Being unlicensed is what is called a non-moving violation. Another violation of this type may be not having a current registration tag on the vehicle. Just because you don't have a tag on your car doesn't automatically make you at fault for someone hitting your car. Fault for the accident will have to be determined by the police officers after they investigate the scene and take statements from witnesses. The person who is driving without a drivers license will get a ticket for not being licensed and then whoever was at fault will receive a violation for whatever they did to cause the accident.