Well, first lets make a complete sentence out of this: Who pays for the damages if someone that has no license or insurance hits your car?
The answer is different for medical expenses and physical damage to your car. Medical expenses can be paid by your insurance company if you have "uninsured/underinsured" coverage. This type of coverage is usually very inexpensive and I recommend everyone has it. Literally a few dollars per year. For property damage, you can sue the person, or your insurance can pay for it if you have full coverage (comprehensive/collision) insurance. Then it becomes their problem if they want to sue the person or not to get their money back.
If someone hits a parked car then they are automatically liable.
I think it depends on your car insurance policy.
You should get car insurance when you have your drivers license and you are regularly driving a car. With you license it is legal to drive someone else's car on a rare occasion as long as they have insurance, you will be covered. This however cannot be habit, and must not be part of a regular routine (borrowing the car every Thursday) So if you own a car, have your drivers license, or regularly drive someone elses car, you should have insurance or be put as an occasional driver on someone elses car.
His liability insurance on his car should transfer to the vehicle that he is driving.
yes
They wouldn't know someone was driving your car without a license so it would go up. However, if they have a wreck in your car the insurance company will most likely not cover the accident because the person didn't have a license.
depends on the insurance company
Hope that you have lots of money.. Tell me your not stupid enough to drive a car with out insurance....
You don't need to get insurance just because you got your license; it's not directly connected like that. If you have a valid license, and don't own a car, you could drive someone elses car that is insured by them. BUT you do need insurance to register a car and be legal. You would want insurance the day you buy and register a car.
No. You can spend the money on whatever you desire.
you pay alot of money stupid
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?