If the owner of the truck allowed an unlicensed driver to take the truck, then the owner is responsible - even if the driver lied about where he was going. If the unlicensed driver just took the truck, then a police report would need to be filed and charges pressed against that person - he can be sued for damages.
Both the Driver and the Owner are liable for the damages. The driver, whether licensed or not is the primarily liable party. The insured passenger owner is secondarily liable for damages by the unlicensed driver he permitted to operate his vehicle.
Both are held liable.
Yes he is do the crime pay the consequences
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
It depends on the conditions of your policy. If there is a clear stipulation that it will not cover any unlicensed drivers, or any drivers not specifically listed for that matter then no they won't pay. If such a condition is not specified and coverage is unconditional (in that respect) then they probably will. Assuming the person survived, and was not taken to jail it is doubtful they would be civily liable for the damages to another victims car (if applicable) hence the policy owner who's name is on the title is ultimately liable.
If this unlicensed driver was driving your car with your knowledge, you are screwed. But if you mean an unlicensed driver hit your car, if you have full coverage you should be able to collect on your insurance. The insurance will make the check to the leinholder and they will give you any excess or expect you to make up any shortage to pay off the loan. In some cases, if you did give permission for the uninsured driver, your insurance company will pay for the loss but make you sign an exclusion stating that the driver will not be covered in the future for any reason. You would be liable for full cost if it happens again. You can also expect a spike in your rates if they reside with you.
unless the person stole it then the owner is responsible. the uninsured person might be covered under the owners policy as extra driver though.
Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved.
This will depend on the type of insurance coverage. The insurance company can decide to go to court and argue that since the driver was uninsured, then they should not be liable for damages.
Bad things, will mostly likely get a few citation from police. If he is found to be at fault he could be liable for the damage.
No they won't. A learners permit is not a valid license. They shouldn't be driving without a licensed driver. The owner of the car can be held liable. They can be sued for allowing an unlicensed driver, drive their vehicle.
If the driver was uninsured or only had liability insurance, they would be liable to still pay the finance company back or face a lawsuit.