yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
I would get your insurance company involved, they are there to keep this from happening.
Since the insurance company does not own the vehicle, they cannot refuse to let you drive it. What they CAN do is refuse to provide coverage for a person driving the vehicle - but it would state that in the policy provisions. If the driver in question was covered under his/her own policy then that policy might very well extend to other vehicles he/she were driving, but again, that would be in the policy provisions. In other words the answer would lie in the policies in question and there is no standard answer - although in most cases - but not all (in the US, anyway) the driver would be covered under both policies, the one on the rated vehicle providing the primary coverage.
NO. By allowing a person who is NOT a licensed driver to drive your car, you committed an offense under the state regulations, so your insurance company can refuse to pay any claims. That is not true in California. Unless the person is specifically named as excluded from the policy, the insurance company will pay up to the limits on that policy. The original question asked about an UN_LICENSED driver. I can't think of any jurisdiction where a person that doesn't have a state issued driver's permit , who has a car accident would be covered by ANY insurance company. The insurance company MUST have a clause that bans such a thing from happening.
In the UK a company has to have certain liability insurance for the public and employees. The type and extent of that insurance would depend on the business itself. No company is required to supply personal health insurance outside of the liabilities of such insurance.
Absolutely - the insurance company would view you as a 'high risk' because of your DUI. Any insurance company can refuse to insure you - they don't have to give a reason !
Low insurance quotes would be obtained from an insurance company after showing a long history of safety and a lack of accidents or collisions. An insurance company would offer a low quote after seeing that the customer is a responsible driver.
It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages.
I'm sure that it's very possible. My suggestion would be to call your insurance company.
What happens when an insured driver hits someone depends on the state you live in. In a no-fault state you present your claim to your insurance company for payment. In a tort state, you would sue the driver for compensation. If you have uninsured driver coverage, then your insurance company should cover you and/or your vehicle, up to a certain amount. You should check with your insurance company to be sure.
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.
Yes