Let's refine the question a bit: if you are an "insured driver", by that term I mean someone who is named in an auto insurance policy as insured. Under that condition, you are insured even if the vehicle you are driving is not covered by a policy.
An exception (we lawyers love exceptions) is if the vehicle is "regularly available for your use." Let's say I have two cars for my spouse and I, but also my old bachlor car that I just want to keep around as something to use if we have a breakdown in one of the other cars.
I cannot fail to list that car with my insurer, and then drive it (even if only once a year--since it was "regularly available" for my use) and expect my policy to cover me. Ain't gonna happen. Same thing for any car that you can drive and in fact do use occassionally.
On the other hand, if I went over to my friend's house in Eastern Washington and he asked me to go fetch (that is farming country, son) something from the store, using his uninsured car, I would be covered by my insurance policy for liability, personal injury protection, underinsured motorist coverage, etc.
Depends on what state you're in.
the driver will get caught go to jail and pay a fine
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.
It's going to be very difficult to claim that it's not the fault of the person who was breaking the law by driving illegally.
Is driving without insurance
No.
no she has to be on your policy , or if you are full comperhensive and she hold an insureance policy . then you can give her permisson to drive your car under 3rd party only
no
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.
They'll go after the car's owner first. IF the driver has an insured vehicle, it would be secondary.