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.
They have to pay for your repairs themselves
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
Paying more for your insurance doesnt gurantee any better coverage or better protection in an accident.
It's on your car insurance.
doesnt matter
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
doesnt matter You would register and provide insurance in the State you live.
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.
No, the accident occurred between the two parties, a police report is not necessary. Your insurance company can take the information regarding the accident. A police officer may write a citation based on the story that is told, but he cannot testify that he witnessed the accident so his involvement is generally useless.
Dealer may not - Insurance Company definitely will
it doesnt
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