The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person.
Only if the driver was responsible and only for his liability
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
the owner of the car with insurance will be responsible
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.
There are 3 possibilities: You ARE responsbile (or partly responsible) If (1) the un-insured driver is a minor and you are their parent or guardian (2) you are the owner or part-owner of the vehicle they are driving (3) the un-insured driver is on your insurance. Other than those factors, you would not be responsible for them.
Sure. If you have no valid license, you have no business driving a car at all. If you weren't driving illegally, you wouldn't have had the accident.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
If the car you are driving is insured then you are not driving without insurance.
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
In general, insurance follows the car rather than the driver. So, if your sister is driving your insured car and is involved in an accident, your insurance would typically be the primary coverage for the incident. However, it's important to review the specific terms and conditions of your insurance policy to confirm this.
The insured motorist is typically responsible for the damage caused in a car accident, regardless of the other driver's insurance or licensing status. The insured motorist's insurance policy may cover the cost of damages depending on the specific coverage. It is important to report the accident to the insurance company and let them handle the details.