The fact that you don't have insurance doesn't preclude you from collecting from the at-fault party. Call the other driver's insurance company and file a claim for damages.
NO! You would be a fool to drive without insurance.
Yes, your insurance pocily should covers all damage, based upon Texas laws. Reason Why? They should. Texas law required all driver must have auto insurance coverage before seating behind the sterling wheel.
You do in Texas NO. You do not have to have a driver's license in Texas to get auto insurance. In fact, you have to show proof of insurance BEFORE you get your license....which is completely ridiculous! Unfortunately, there are too many companies that are insuring unlicensed drivers!
Not in Texas.
Is driving without insurance
You must pay for and pass the Texas Department of Safety Driver's Examination and purchase automobile insurance. Driver's Ed is not required.
In Texas, Yes, It will cost more for Insurance for a new driver whether or not he is the registered owner of a vehicle.
liability insurance goes with the driver, so the drivers insurance would pay for it. If the driver does not have insurance, then the owner of the car's insurance would pay if the vehicle was knowingly lent.
No. Added: Once they receive it they are then a fully licensed driver and legally responsible for their own actions behind the wheel. Insurance companies require that they be added to their parents policy (or get their own).
Texas Liability insurance simple put is insurance that will cover the other driver's bills if you get into an accident. It will not cover the cost of getting your own car fixed or any medical bills you have.
Anyone over the age of 18 can buy autom insurance in Texas, licensed or not.
If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.