Whoever made an unsafe move.
The person that is responsible for the accident.
Most states will give you a citation for not having a drivers license.
The Driver
No. The driver is responsible.
You may be legally responsible but since the car is on your policy it is your rates that might suffer if the accident was the fault of the driver of that car.
Yes. You are responsible for the car and having an accident in it shows that you didn't take proper care of the car.
I believe whomever caused the accident is at fault, whether their car was damaged or not. * The evidence compiled in the accident investigation will determine the responsible party. To determine who is at fault in a vehicle accident investigators use a method referred to as "chain of causation" and begin the investigation with the vehicle that was last in motion. This does not necessarily mean that the driver of said vehicle is the one responsible for the accident. It is quite possible that the driver of the vehicle that was not damaged will be the one determined to be responsible for causing the accident.
That would depend on who caused the accident and one of them is responsible of that.
Yes, this is considered an accident. The driver of the car will be held responsible for the damages they caused.
Whether the car is insured is not important, the point is who was at fault in causing the accident, it could be the person whose car is insured that is at fault.
the insurance of the person responsible for the accident
Deductible