That shouldn't keep you from getting auto insurance as long as she is not listed as a designated driver of your vehicle. If your uninsured wife should drive and be involved in an accident with another driver, your insurance will not pay.
doesnt matter You would register and provide insurance in the State you live.
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
Because it's not actually "drivers license." It is actually a driver license. However, if it were driver's license, you, indeed, would need the apostrophe.
He's 16 and has his drivers license, but Joe still doesnt
Insurance companies usually charge more for younger drivers than they do older, more experienced drivers. It doesnt really have anything to do with whether or not they are in college. There are some insurance companies that offer a discount for being a good student, usually with grades of "B" or better.
If you are listed as a covered driver on the Insurance Policy then yes they will pay the claim whether you are licensed or not. Most Insurers will not offer you an auto insurance policy to begin with if you are not licensed but some will.
Dealer may not - Insurance Company definitely will
Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.
its the owner of the car. since they let the driver borrow the car (even if you didnt know they didnt have a licence) is responsible because if they were unsure they should have asked to see the licence before lettin the driver orrow the car