No, if their license was suspended they should not be driving, if they are involved in an accident and are At Fault the other person can go after you since it is your car and then you are liable.
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 you add them AFTER they have an accident, they will not be covered for anything that happened during, or as a result of, the accident
Maybe, but you are really pressing your luck. Don't drive without a vailid driver's license, it's against the law! No, chances are that you are not covered. It just adds to the headache anyway!
If the driver with the suspended license caused the accident then he/she is responsible.
Yes. The fact that your license is suspended is NOT considered a contributing circumstance to an accident.
Probably not. I am certain that somewhere in your policy there's a clause stating that you can not drive while your license is suspended.
Not in Canada. If your license is suspended, then any insurance claim that resulted from you driving while suspended would not be covered. If the car was damaged and it was parked and not being operated, then that is covered. But not if you are driving it.
Yes, because you
No, you would not be covered if you do not have a valid license. The insurance company would be able to back out of any agreement, as you have violated it.
They will probably try to deny coverage on your claim. Did you inform them that your license was suspended? Probably not, I imagine.
If you're found to be at fault for a fatality accident, not only are you losing your license, but you're going to prison, as well.
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.