No one. If the person does not have a valid license they cannot be insured for any type of coverage concerning motor vehicles. not true just get your motorcycle permit and you can get insured i know plenty of people who dont have motorcycle licence and have insurance
It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered. If the unlicensed driver is excluded from coverage then naturally there is no coverage for them. If the unlicensed driver is not a named insured and also not excluded, Then technically they still are not a covered driver, although, coverege may still apply under the owners auto policy depending on the circumstances of any accident and the owners liability under permissive use rules if the vehicle owner allowed an unlicensed driver to operate the vehicle.
I have known people to buy vehicle without a driver's license, but I don't believe you can insure it. You probably could get storage insurance, or maybe insure it with someone else as a primary driver. But most likely the insurance will have to be purchased by someone else. im an auto insurance agent.... in some states, you may insure your car even if you dont have a valid driver license. you may also buy your own car in some dealerships. you just gotta look for them...
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.
Let's see if I can follow this. Insurance company A is at fault because of actions caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property damage as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving violation and Driver B will have to pay a substantial fines for these issues.
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