The insurance company is not liable for paying damages. The minor was knowingly breaking the law by driving w/o a license. The parent of the child will be held liable for damages. As will the person/owner of the vehicle if they knew the minor was not a legally licensed driver.
If you let an un liscensed/uninsured minor driver your vehicle, your asking for it. If you werent the parent of the minor, they could sue you as well for neglect.
Bad things, will mostly likely get a few citation from police. If he is found to be at fault he could be liable for the damage.
The owner of the vehicle is usually held liable.
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.
99% of all insurance companies will cover such situations.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
they get in jail for not having a licence and driving.
I sense that this person driving your car without permission is a resident of your household. Without a police report of the theft of your vehicle then the person driving your car, especially if they are a resident of your household and reasonably knew where to find the keys, would have presumptive permission to use the car and your insurance will have to pay.
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
Is your car insured? Did the driver have your permission? more that likely there will be coverage, (subject to any policy exclusion), but you will obviously have rate increases that will take many years to clear up. If your vehicle is also not insured, you will more than likely be held (assuming driver had permission), equally responsible for all costs, not to mention fines, loss of plates etc.
If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly.