If you have full insurance on your car and it is totaled by an unlicensed driver what happens with your insurance and payments for the car?
If this unlicensed driver was driving your car with your
knowledge, you are screwed. But if you mean an unlicensed driver
hit your car, if you have full coverage you should be able to
collect on your insurance. The insurance will make the check to the
leinholder and they will give you any excess or expect you to make
up any shortage to pay off the loan.
In some cases, if you did give permission for the uninsured
driver, your insurance company will pay for the loss but make you
sign an exclusion stating that the driver will not be covered in
the future for any reason. You would be liable for full cost if it
happens again. You can also expect a spike in your rates if they
reside with you.