Yes
Driver's licensure is a condition of getting auto insurance.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
It is highly unlikely.
If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly.
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.
Yes, but the rates will probably go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don't generallly like.
Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
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.
Yes. Read your policy. If you allow a driver who is not licensed to drive your policy and an accident occurs the insurance company may deny coverage for the claim. You should not loan your car to other people because you are also loaning them your insurance and you may not have the authority to do this. If the person is a regular driver or lives in your household then they must be listed on your policy as a driver.
Most likely yes.. but your rates are going up, and the driver will be cited.
An unlicensed driver will probably get cited for not having a license and may even get their car impounded, but is not automatically at fault. The person that the police and insurance company determine caused the accident would be at fault.
Yes. It is the responsibility of the at-fault party to pay for the damage caused in an accident, regardless of the license or insurance status of the not at-fault party.