Yes he is
do the crime pay the consequences
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
Both are held liable.
If you do not carry the minimunm state insurance coverages, then you must pay the uninsured motor vehicle fee of $500. This is not insurance but it allows you to operate your vehicle on Virginia's highways at your own risk. If you get into an accident, you will have to pay all the fees associated with the accident.
I am an Insurance Broker - dependant upon where you live, your son's accident will be covered, either by your policy (considering you have adequate coverage, or his mother's, considering her coverage) Here in Canada, no-fault allows our own insurer to cover the vehicle, no matter the driver.
A temporary substitute vehicle is a short-term replacement vehicle provided by an insurance company or rental agency while a car is being repaired or replaced due to an accident or maintenance issues. It allows individuals to maintain their mobility until their original vehicle is available again.
For the rightsholder, copyright allows an income to be derived from the book and its content. For a user, copyright law allows certain unlicensed uses such as in education or criticism.
Carfax allows one who is considering purchasing a vehicle to check the vehicle's registration and title information, currant odometer readings, accident history including frame and structural damage, and recall information.
Fair use allows limited unlicensed reproduction for purposes such as criticism, comment, news reporting, teaching, scholarship, or research.
The notion of "fair use," which is included in US copyright law as section 107, allows certain limited unlicensed uses in cases such as scholarship and criticism.
In the US, much of the copyright law consists of limitations, defenses, and exceptions, each of which allow certain specific unlicensed uses.Section 107, "fair use," allows certain limited unlicensed uses in the case of education, research, or critique.Section 108 allows limited reproduction by libraries and archives for preservation and access.Section 109, "first sale," allows physical instances of a work (a book, a CD, a game cartridge, etc) to be loaned or resold.Section 110 allows certain unlicensed performances and displays in educational or governmental situations.Section 111 allows certain secondary transmissions, for example a radio station "repeater."Section 112 allows certain ephemeral recordings, such as the buffer created by a CD player's anti-skip function.Section 117 allows backup copies of software to be made.Section 119 allows certain secondary transmissions by cable stations.Section 121 allows creation of formats designed for use by the blind.Section 122 allows certain secondary transmissions by satellite stations.
The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Fair use or fair dealing provisions allow certain limited unlicensed uses.