In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.
It is important to have accident insurance in order to be prepared for the unexpected. Having accident insurance will prevent major expenses but not all resulting in an accident.
Although it depends on your insurance, the driver is covered if driving with your permission.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
Accident insurance is typically very cheap because it restricts coverage to a claim involving death resulting from an accident which has a low statistical probability. Whether or not a man is "healthy" is of no relevance for "accident insurance". There are actuarial tables available that show the chance of death by accident by age and gender. If you are asking about "accident insurance" that will replace your income if you are hurt in an accident, that is typically very cheap as well. I am certain that you can get instant online insurance quotes for "accident insurance" if you use a search engine to seach the phrase "buy accident insurance"
To avoid having to pay for hospital bills resulting from an accident they cause
If you have your own. Otherwise it is illegal to drive without insurance...and if you cause an accident and dont have insurance to pay for it you will be in really really big trouble.
the policy that covers the car that is being driven.
Try Medicaid
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
You and/or your insurance.
if there is insurance it should pay for the loss
you ni^^a