In NY CA MN Yes The insurance will cover in all the other states
They can pursue him civilly, and the not at fault driver can also sue for damages.
They can, but you can sue the other driver for damages.
The driver of the vehicle would be considered as secondary. Say you own a car, and are insured with company X. You let a friend borrow your car, and they have insurance with company Y. If there is an accident that exceeds the limits of the policy for company X, then company Y would pay up to their policy limit to cover the remainder of the balance for damages. If the driver does not have their own insurance, then potentially both the driver and the vehicle owner could be sued and be responsible for damages.
This will depend on the type of insurance coverage. The insurance company can decide to go to court and argue that since the driver was uninsured, then they should not be liable for damages.
If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).
The insurance company would have to use as they were the ones that paid anything, unless you can claim money lost from loss of work.
If they're a licensed driver supervising a learner's permit driver, yes.
Let's see if I can follow this. Insurance company A is at fault because of actions caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property damage as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving violation and Driver B will have to pay a substantial fines for these issues.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
The owner of the property (if he can), the police and his insurance company.
It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.