no insurance + jail
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
hopefully, you go to jail
If they don't have a licence they won't have valid insurance. Your own insurance company will advise; in the UK there is a pool to cover this, but it'll be different elsewhere.
If you were driving with an expired drivers license they will not insure you so if they find out you are up s--t creek. what they may do is ask you for your drivers license record up to date and then they will spot it. If you are lucky they wont. However they have not paying insurance down to a fine art.
If you have a current insurance policy and are in a car accident, but have an expired license, it is up to the insurance company if they will pay the claim or not. It could be in their clause not to, if a person does not have a valid drivers license, especially if you are the one at fault.
you got to jail for not having insurance or a vaild license and you are personally liable for all the damages you caused.
Well, it depends on where you live and what the laws are in that specific region. in canada, that perosn would probably go to jail.
No if you have a license no, but if you have a vehicle you have ot have a license.
You don't have to have a car insurance at all. It's only your option but it's better for you/ if you have an accident the insurance company will pay it for you