It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
Let me state that the person owning the car did not have insurance on their car. a licensed driver borrowed car to run to town, and pulled over due to they ran the tags and tickets outstanding to the owner. They suspended the drivers license and not the owner of the car who did not have the insurance. The owner never even recieved a ticket for no insurance.
Yes.Thats what full coverage covers
It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.
Depends on the insurance policy. There might be a condition that any driver must be licensed for the insurance to be in effect. If it is your car and your insurance, you probably have a problem.
You will get a ticket for these violations but if you bring them with you to court and they show that you were licensed and insured on the date of the accident, these charges will be dismissed.
File a claim with the other party's carrier and hope that they accept liability for the incident, otherwise you may learn a lesson the hard way.
Certainly, if they are licensed drivers. You would still probably want to carry some insurance on it.
Ordinarily, an auto insurance policy will require that the driver be licensed as a condition of coverage. Therefore, absent extenuating circumstances, probably not.
No, the parent isn't liable for the accident insofar as they weren't behind the wheel. But the minor probably won't have a license for a good long time.
This will depend on your State and what their regulations are regarding this matter. In Georgia, your license will remain suspended until you finish reimbursing the party you hit and their insurance company who may have paid the claim under their uninsured motorists coverage. They will allow you to make payments over time to get it paid off. I remember a 15 year old girl that drove her Mothers vehicle. Because, she wasn't a licensed driver, the insurance company denied coverage and did not pay the claim. She could not get her first license until the $5,000 damage she caused was paid back to the other parties insurance company. The Mom had insurance but did not notify the company of the drivers and let an unlicensed driver drive the car and she new she had no license as it was her daughter.
They can be sued by the other driver for damamges (if at fault). If not at fault, they may have a very difficult time getting insurance in the future and when they do, the premiums will be through the roof.
No. In any US state insurance companies are only allowed to sell auto insurances of any kind to licensed drivers. The reasoning for this is because in the event that the person with the learners permit fails their road test(s), then the insurance companies are not held liable in the event of an accident. That is why there is a manidtory requirement that the person with the learner's permit drive with a licensed experienced driver in the car at ALL times, so in the event there is an accident, the insurance company will cover it under the licensed driver's policy.