That fool is going to be in jail for quite a while.
You can try to sue the unlicensed driver, but if they don't have the money to pay any damages awarded, you are well and truly up the creek.
NO!
both, you for hitting the other vehicle and the other driver for being unlicensed
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved.
Both the Driver and the Owner are liable for the damages. The driver, whether licensed or not is the primarily liable party. The insured passenger owner is secondarily liable for damages by the unlicensed driver he permitted to operate his vehicle.
yes it will
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.
It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered. If the unlicensed driver is excluded from coverage then naturally there is no coverage for them. If the unlicensed driver is not a named insured and also not excluded, Then technically they still are not a covered driver, although, coverege may still apply under the owners auto policy depending on the circumstances of any accident and the owners liability under permissive use rules if the vehicle owner allowed an unlicensed driver to operate the vehicle.
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
Most likely yes.. but your rates are going up, and the driver will be cited.
your policy, considering you are insured and licensed, will cover the incident, as long as YOU aren't at fault! Otherwise an at fault claim would appear on your record if ANY fault is determined on your part - regardless of the licensing status of the other driver.