Your insurance rate will increase.
If it was someone you lent your car to, then it should
no. It could be, depending on the details.
yes
Hope that you have lots of money.. Tell me your not stupid enough to drive a car with out insurance....
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
Certainly the person that was driving without a license. It would depend on the circumstances if anyone else did.
Usually it is the driver, there may be some liability if the car was in a state of disrepair or he was acting on your instructions.
a motorist
A Chauffeur is a person that drives a private car for someone.
The fault lies with the vehicle that cause the accident. When someone borrows a car, the car owner can be liable because the allowed someone to drive the vehicle. Often this type of accident has to be sorted out in court.