If the accident was not your fault then there will probably be no penalty at all for the claim. A few companies have a discount for no claims also called a claim-free discount. If it is worded like that then you may suffer some penalty. Most companies do not do this and have accident-free discounts which would cause no problem.
No, but if involved in an accident, even when not at fault, the drunk driver would still be guilty of, and could be charged with, DUI.
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
the driver at fault
each contributes 50% to liability or fault.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
Not really sure actually. In the eye of the law the accident will most likely be considered your fault.
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.
Yes, the driver who was at fault is responsible for the bodily injury for anyone who has been hurt in the accident. The percentage of payment that has to be made would depend upon the percentage of fault for the accident, the prevaling norms of the state or province where the accident ocurred.