If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
No.
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
Easy, you just buy an auto insurance policy and exclude the other residents from coverage by use of form 515A. Be aware though that if any of these excluded drivers are involved in an accident while operating your vehicle, The accident and any resulting damage will not be covered under a policy from which they are excluded.
It is important to understand the insurance policy that is purchased on a drivers car. The only way that an uninsured driver is covered in an insured car is id the owner of the car has that in their policy.
You get auto insurance for accident prone drivers the same way as normal drivers. You will need to provide relevant car details and your driving history information and then receive insurance policy quotes. Insurance premiums for accident prone drivers are generally much higher.
Only if you are a named driver on the policy.
yea
I am not sure on the exact law in CA but, driving without a liceance is a criminal offense and I think it would be a safe guess that there is a clause in your policy that in order to be covered you must have a valid drivers liceance. This means that while your policy is not "cancelled", your insurance company will not cover you if you have an accident.
Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.