Yes and in most states it is a criminal offense to drive without insurance (even if you are not At Fault, you will most likely be charged with this offense). If you are found at fault and are not insured, you are still resonsable for all of the damages and/or bodily injuries.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Driver's licensure is a condition of getting auto insurance.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
Car
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.
dont do nothing just relax and watch a movie
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
if you add them AFTER they have an accident, they will not be covered for anything that happened during, or as a result of, the accident
The driver or owner will be responsible for the passenger's injuries. The passenger's PIP or medical insurance MAY pay the expenses if the responsible party is not insured, but will sue to recover the expenses.