yes
unless the person stole it then the owner is responsible. the uninsured person might be covered under the owners policy as extra driver though.
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.
no it is against the law for an unlicensed and uninsured driver to purchase and drive a car off the dealer's lot. The dealer will be held accountable, if this person has or causes an accident that takes someone's life.
they get in jail for not having a licence and driving.
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.
275 bucks
Texting while driving, calling, not paying attention, etc.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
Not likely. For property damage, insurance is primary to the vehicle. Unless you live in WI or NH, you are required to carry liability insurance, regardless if you drive your car or not. Liability pays for the damage your car causes to other people for their injuries and damage to their car. Knowingly lending your uninsured car to some one is legally the same thing as you driving without insurance. Your friend's insurance probably contains a non-owned vehicle clause, but this is designed for loaner cars from dealerships, test drives, and rental cars.
In the short story "The Accident" by Joan Aiken, Sandy causes the accident that injures the girl while driving his father's car recklessly. He loses control of the vehicle and crashes into the girl, resulting in her injury. The story highlights the consequences of irresponsible behavior and the impact it can have on others.
Your own underinsured / uninsured (UM) policy is designed to pay to you, the policy holder, if an uninsured or underinsured person is at fault and causes injury to you but that's only if the other driver was at fault and you were injured. If you injured yourself in the accident (you were at fault), then your insurance will NOT pay pain and suffering awards. If they did, there would be many, many, many people who would stage accidents to 'injure' themselves and then claim pain and suffering awards.