In the UK the insurance company would not accept liability except under exceptional circumstances
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
The answer should be yes to both parts of the question. You should notify them.
If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly.
Driver's licensure is a condition of getting auto insurance.
It is highly unlikely.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
Manfred Benz has written: 'Die Unternehmerversicherung in der gesetzlichen Unfallversicherung' -- subject(s): Accident Insurance, Insurance, Employers' liability, Accident insurance, Employers' liability insurance