You need to read your contract, in most states any legal driver over 25 is covered on any policy and on some policies cover everyone with A valid license. Also if the person is using your insurance to cover damages they caused, You can sue them for costs. The policy is yours not theirs.
Although it depends on your insurance, the driver is covered if driving with your permission.
Only if you are a named driver on the policy.
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
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
Some do. I work for an insurance company and many will take ownership of the accident.
Actually, this will be covered by your insurance co.
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.
The second vehicle will be covered by it's own insurance. That company will then attempt to sue the driver to recoup it's losses
Subject to any policy exclusions if they had the owners permission then they more than likely will be considered an insured driver, for the purposes of this question. They of course will need to be listed as a driver on a vehicle in the house hold, (if not immediately, will depend on the rules of your area/insurance company, then certainly once a licensed driver)
Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?
Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.