If you rearend someone, regardless of road conditions or the other drivers disposition on a drivers lic or insurance, you are still responsible. Not having a license or insurance is a civil matter, not involving insurance company.
No. A drivers' license is issued by the DPS and only the DPS - or a court - can suspend someone's license. However, if Texas requires insurance and you don't have it, if an insurance company notifies DPS that you don't have insurance, then DPS could suspend your license.
Not as long as it is not meant to be used for an unlawful purpose.
If you have their drivers license and insurance card what else will you need to know their insurance company. Perhaps you did not list the question correctly for what you meant.
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.
No, if it's on a temporary basis, you have the permission of the owner, and the owner has liability insurance on the vehicle.
When you allow someone to drive your car, you are giving them the coverage of your insurance. If they were to get into an accident, your policy would pay first.
If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.
It is not possible to put a lien on a person's driver's license in any state. A driver's license can be suspended or revoked but only for traffic violations.
You can be sued, and your insurance company can deny the claim.
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?
No