YES... two that i can think of are when your parked and if your hit from behind ...
Financial
financial
financial
Laws for traffic violations are specific to a state or municipality. A general rule of thumb is that moving violations, from speeding to driving without a license is the driver's responsibility; vehicle violations, such as invalid registration, liability in an accident, illegal parking and towing fees, are the responsibility of the vehicle owner. In the case of an accident, the driver is responsible for the traffic violations, the vehicle owner is responsible for the damages. In most jurisdictions, the vehicle owner can sue the driver in a civil action for costs incurred to the owner by the driver of the vehicle. Be careful who you allow to drive your car.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
There are 2 answers, with multiple categories each. 1st is "criminal" responsibility which includes whether the owner knew the driver had a license, their ability (impaired by drugs, alcohol, other) or what the owner knew was the purpose of the use of the vehicle (rob a bank or pick up groceries?). 2nd is "civil" responsibility. Depending on your country, state, or region. More often than not, it is the driver's sole responsibility for an accident, but that does not mean that the owner cannot be sued or that an owner's insurance wont decide to cover any damages or injuries.
The license status of the other driver has no bearing on your liability. If you were at fault you are still responsible for any damages and injuries. Just report it to your insurance company as you would any other accident.
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
I would let the police office know right away about this.
No. The one who is responsible is the licensed driver that is over 18 years old or older, that is in the vechile with them.
a principal-agent game
They would be charged with leaving the scene of an accident in addition to any other charges regarding the cause. There is no requirement to help the other driver.