Iv heard, and learned 3. but on the written driving test its rong
If you are under 18 years of age, your risk of a fatal crash is about 2 1/2 times that of the "average" driver, and your risk of an injury crash is 3 times higher than that of the average driver.
because he is unconscious
Yes. A teenage driver hasn't the experience and judgment that most older drivers have.
Not really sure actually. In the eye of the law the accident will most likely be considered your fault.
Makes a driver less coordinated and at times more likely to be involved in an accident
Most likely yes.. but your rates are going up, and the driver will be cited.
That would depend on how likely your teenage driver is to get into an accident, how dependable they are. It may end up costing you more in the long run if they do happen to get into an accident.
In most cases, yes.
It will likely be the person making the left turn who is at fault. It is the turning driver's responsibility to make certain that the turning maneuver can be completed in a safe manner without interference with opposing traffic. WHile the other driver who hit you MAY have contributed to the accident, it was the turning driver that precipitated it.
Your insurance policy most likely has a clause that protects you up to a certin amount if you are in an accident with an uninsured driver. You can also hire a lawer and sue the other driver for any damages (along with lawer and court fees).
Without knowing how many drivers there are, this very much simplified chance cannot be calculated. In real life each driver has a different chance of having an accident - the cost of motor insurance is dependant upon the risk (chance) that you are likely to (a) have an accident and (b) how severe that accident is likely to be; if everyone had the same chance, everyone would pay the same motor insurance premiums.
Yes, most likely. Review your policy to be sure. However, if the drunk driver caused damages in excess of his or her policy limit, the drunk driver can be held personally liable.