The insurance company will probably deny the claim for material misrepresentation, also known as lying. Companies are standing up to this now and not letting people get by without adding their children to their policies and expect them to be covered by playing dumb.
I assume that you mean a rented vehicle with an unlisted driver having an accident. If you allow an unlisted driver to operate the vehicle then the person who signed the rental agreement will be responsible for damages because he allowed the unauthorized to drive.
No. Their insurance will cover the damage to their vehicle, though they will not be happy about an unlisted driver being behind the wheel having an accident. If they have no physical damage coverage it will not be repaired or replaced.
"A serious accident was caused by the driver's negligence."
a screwdriver Screw driver
The car accident was caused by the drunk driver.
My phone number is unlisted.
The additional driver
no unless the car the driver was driving was unsafe and the problem of the accident but only the driver can sue in that case.
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.
No, if you were negligent, and 'at fault' you still are, however, if they leave the scene doesn't sound like you will have to fix their vehicle, but you could still have a 'chargeable' accident on your policy.
The Driver
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.