The At Fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
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.
Why not. That unlicensed vehicle owner could be disabled and hired a licensed driver to drive the vehicle.
Yes, however I recommend the vehicle should be the named insured's vehicle as Oregon police force will harass you.
Unlicensed drivers cannot operate a vehicle on private property. The insurance for the vehicle will not allow unlicensed drivers. Most states require every vehicle in operation to be insured.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
both, you for hitting the other vehicle and the other driver for being unlicensed
yes , just because they are not licensed or insured does not mean they cannot be an owner/ jt owner of a vehicle , however if they are an operator they obviously must be licensed and should be insured.the former not being a valid reason to raise your premiums since they are not a licensed operator
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.
Yes, as long as the vehicle itself is insured and the adult is properly licensed.
If you gave permission then it should be covered.
I don't kno go to another sit!!
The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.