Interesting question. Since the both of you are uninsured, the person who is At Fault should pay for the majority of damages incurred. Keep in mind that they can only pay in good faith, If not, you can file a lawsuit, however if the police were not called, this will make it even harder.
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
As long as your teenager was properly insured and he was not involved in the commission of a crime at the time of the accident, nothing should happen to your teenagers driver license.
You will get a ticket for these violations but if you bring them with you to court and they show that you were licensed and insured on the date of the accident, these charges will be dismissed.
There are legal requirements that all drivers be insured- as well as licensed and carrying proper registration documents- separate from the driver"s license and of course obligatory license plates.
Well you see, it is for this very purpose that car insurance is required by law; it is unfair on the rest of the insured drivers if some drivers are not covered. so, basically, you wouldn't be paid out for damages unless your insurance company or broker covers you for being hit by uninsured drivers.
If the car is insured and covers other drivers, the damage will be covered to the limits of the policy. If not, they're on their own.
If you have no licence you are driving illegally.Any insurance you may have taken out becomes null & void.Basically you arent insured even if you pay the premiums.Get a licence as you could end up with a law suit if you were to have an accident & hurt someone.As youre breaking the law, you could end up with police on your case too!
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.
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
It is important to understand the insurance policy that is purchased on a drivers car. The only way that an uninsured driver is covered in an insured car is id the owner of the car has that in their policy.
As with all such matters, you should consult a legal professional to protect you rights. Generally, YES both VEHICLES should be insured (but that requirement may vary in some states). Drivers are NOT usually insured unless they hold special vehicle licenses or have personal umbrella coverage. But drivers should be prepared to present proof of coverage for the vehicles they are driving; when requested by law enforcement officials and other drivers after an accident.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.