Under the terms of your Insurance Contract, All licensed drivers in your household and all drivers that have access to your vehicle are required to be declared either as a covered driver or not. If not, then you can request they be excluded from coverage on your policy by way of form 515A.
Failure to disclose a licensed driver in your home is a violation of the terms of your Insurance Contract and can result in voidance of all coverage.
Bare in mind that once excluded the driver will have no coverage under your policy for any accident if they do for some reason drive the vehicle.
Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not at fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.
Most cases you get jailed if the accident is severe. If its not too much you get a ticket for driving without licensed driver. Depends on country to country though
Penske or Hertz. You'll need an actual licensed driver to drive it to your test, though.
Only your insurance company can answer that - mine does... I have insured vehicles that were not in my name and insured vehicles in my name for other drivers - Geico... I have also loaned vehicles that were in collisions and they still covered them even though I did not specifically "add a driver".
Most of the major insurance companies will insure a previously uninsured driver. Your premiums will probably be higher though at least for the first year until you get some insurance history under your belt.
You prey that the other driver doesn't find out that even though he was not insured, you and your insurance co. are still liable for all damages. You still need to report the accident to your insurance co, though.
Yes, the owners of the vehicle (and driver of course) are the ones sued, it has nothing to do with who is the named insured on the insurance policy.
It depends on the laws where you live. As long as the juvenile is a licensed driver, if you pay them you should be fine though the offenses will probably be on your record for a while. There is a limit in most jurisdictions of how many tickets you can get in a certain amount of time or your license will be suspended.
i think so. or though im not exactly 100% sure i know your allowed family members in the back seat with you
Generally yes, but you have to check your policy for specific limitations. Watch out though. In California at least, if a driver is not specifically listed on the insurance policy, the coverage drops to state minimums (15/30/5 in CA).
It would be better to tow or trailer the vehicle but otherwise I would say that this would work from a legal standpoint. That's not to say though that a legal nightmare wouldn't unfold if there was an incident.
If you want to drive a car you need to have a valid driver's license and the car you are driving must be insured. You don't necessarily have to have your name listed on the policy if you are only borrowing the car from a friend. Be careful though there can be limitations on the coverage in some states if you are not a listed driver on the policy covering the car you are driving.