That would depend on the individual wording of your policy. Most don't. As in any contract, read the fine print.
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.
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.
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.
It is highly unlikely.
They may not if there is a clause in the insurance agreement that the insurance will not be paid out in the event that an unlicensed driver is in control
The insured motorist is typically responsible for the damage caused in a car accident, regardless of the other driver's insurance or licensing status. The insured motorist's insurance policy may cover the cost of damages depending on the specific coverage. It is important to report the accident to the insurance company and let them handle the details.
Yes
When an unlicensed driver has an accident, the registered owner of the vehicle may face legal and financial consequences. The owner could be held liable for damages resulting from the accident, especially if they knowingly allowed the unlicensed individual to drive their vehicle. Additionally, the owner's insurance may not cover the accident, leading to potential out-of-pocket expenses. In some jurisdictions, the owner could also face fines or penalties for permitting an unlicensed driver to operate their vehicle.
Most likely yes.. but your rates are going up, and the driver will be cited.
No, I have never seen a citation for carrying insurance for an unlicensed driver. I recommend that all drivers should be insurance whether they are licensed or not.
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.