You are both responsible. You are responsible because you are the owner and you should make sure that anyone who drivers your car is legal. Also the person who drove without a license is responsible because they didnt have a license which is illegal, and they dont have insurance, which is illegal. You may be the person they go after and you may find yourself having to sue the other person.
Answer
Your policy will probably not cover the event. Check in with your insurance agent.
Is the CAR insured? If not, it's not legal.
The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.
Yes. All cars on the road have to be insured. If you have a learners permit, then you need to be driving with someone who does have their license and is insured.
It's going to be very difficult to claim that it's not the fault of the person who was breaking the law by driving illegally.
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Yes, you are still at fault. It doesn't matter whether or not they had insurance, you still hit their vehicle and are therefore still responsible for their damages.
the driver will get caught go to jail and pay a fine
tort law
license......a business permit issued by a city or county government. The term bonded or insured is basically the same thing. Bonded usually applies if someone handles money or other valuables.
If you're responsible for the accident, you're still responsible even if the other person hasn't got a driver's license.
You guessed it!
Absolutely, this person can and will sue you. Just because he/she wasn't licensed doesn't mean that you have the right to get in an accident with him/her. The only thing that will happen to the other person is get a citation for driving without a license, or whatever the case may be. You are still responsible for all damages.