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.
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving under the influence. YOU SHOULD GO TO JAIL.
it doesnt have a timing belt, it has a chain.
You contact the lender, if that doesnt work, you contact a local attorney. Sue the lender
It depends on the laws of the particular state. Does that state require back seat passengers be restrained and is there an exception for law enforcement transporting prisoners? It is certainly prudent to buckle in a prisoner as he/she has been stripped of the ability to protect themselves so the officer might be held personally responsible for civil damages in the event of an accident, regardless of who caused the accident.
Paying more for your insurance doesnt gurantee any better coverage or better protection in an accident.
FILE A POLICE REPORT. IF THE ACCIDENT HAPPENED WHILE YOUR POLICY WAS CANCELLED NO I DOESNT COVER,
He's 16 and has his drivers license, but Joe still doesnt
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depends on the state, in Missouri you have to have your learning permit atleast 6 months before your intermediate drivers licence no matter what age you are, then after you turn 18 you can get your full licence which doesnt restrict you from driving between 1-5 am or more than one un-related passenger under the age of 18.
Covers medical expensives for you and passengers, will cover damages if other driver who is At Fault doesnt have insurance.