Are you saying that you are uninsured, and the drunk was At Fault, if simply due to the fact that you were uninsured (and of no fault whatsoever), you have to pay for his vehicle? NO, the ''at fault/negligent" party is liable/responsible for the damages they caused due to their neglience. Subject to any laws in your state barring uninsured drivers/owners from recovery of damage. But just because you are uninsured (if not at fault) you are not responsible for the drunks damages.
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
Legally, NO
As far as states go I know in Utah it is the vehicle not the driver that is insured.
No direct answer, as this all depends of the level of cover of the insured driver.
Is driving without insurance
No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
The short answer is Yes. You are responsible for the vehicle that you hire. The rental company will claim from the renter - the renter has standard legal rights against the perpetrator.
Uninsured collision coverage is a type of auto insurance that protects drivers in the event of an accident with an uninsured driver, specifically when the insured driver is at fault. It helps cover the costs of repairs or replacement of the insured vehicle, regardless of the other party's insurance status. This coverage is particularly important in areas where a significant number of drivers may not carry insurance. It provides additional financial security and peace of mind for policyholders.
No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.