Want this question answered?
It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
Ordinarily, an auto insurance policy will require that the driver be licensed as a condition of coverage. Therefore, absent extenuating circumstances, probably not.
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.
They can be sued by the other driver for damamges (if at fault). If not at fault, they may have a very difficult time getting insurance in the future and when they do, the premiums will be through the roof.
Although it depends on your insurance, the driver is covered if driving with your permission.
Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.
Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not at fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
You guessed it!
Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.
I doubt there is insurance available to you. With a permit, you are actually driving under the authority and liability of the licensed driver in the car. It is their insurance that protects you and other drivers in the event of an accident. Once you have a driver's license and own your own car, you can purchase insurance from almost any insurance company.