The parents of the first child. Insurance will not cover this because a policy holder has a duty not to let unlicensed driver have their vehicle, whether a minor or not. The first parents are responsible because they knowingly let their child drive without a license and their kid let an unlicensed drunk driver drive their vehicle.
Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
Penalties for running a red light and causing an accident can vary by location, but typically include fines, points on your driving record, increased insurance rates, and potential civil liability for damages. In some cases, it may also result in criminal charges depending on the severity of the accident and any resulting injuries or fatalities.
The unlicensed driver will likely face some penalty for driving without a license, but it doesn't negate your actions in causing an accident. Meaning that yes, she can make a claim against you if she meets your state's threshold. A lawsuit isn't necessarily the first step.
Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
Depends upon the state laws, they might also find themselves in civil court for wrongful death.
yes
If a Homeowners dog bites a child and tears their lip open causing multiple surgeries what is the insurance liability to pay medical bills liability or compensation?
Most laws are to punish you for driving while not licensed, not specifically for causing accident. That would be a separate issue.
Damaging someones property or causing injury or death.
The person who hit the house would have to pay for the damage but that person can go back to the person who hit him causing the accident in the first place. It would work the same way as a three car accident.
Whether the car is insured is not important, the point is who was at fault in causing the accident, it could be the person whose car is insured that is at fault.
causing a serious accident while driving