Liability of Uninsured Drivers in the USA The at fault driver is always the primary person liable for damages from any accident they cause regardless of whether they are licensed, insured or not and regardless of the insured or licensed state of the other driver The at fault driver can be held personally liable and is subject to civil suit for damages. The vehicle owner can also be held jointly and separately liable for the full cost of all damages. So the vehicle Owner is also legally liable for any and all damages due to his irresponsibility in allowing the vehicle to be driven uninsured This is the generally accepted rules of liability in the United States as established by legal precedent cases This Answer from a General Insurance Agent Happy Motoring Wrong Answer for USA, Perhaps valid in some other countries If an unlicensed driver is involved in a automobile accident, they are, by default, responsible due to the fact that they are not legally operating a vehicle.
Their presence on the road is considered the first in the chain of events that lead to the accident Answer Depending on how serious injuries were, if any, this type of crime carries about the same weight as Driving while intoxicated. You will probably do jail time and if you ever get licensed will need an SR-22 slip often Answer Would you please provide me with the supporting legislation, rule or other that substantiates this. My son was involved in an accident with an unlicensed driver and the State of NJ Department of Insurance and Banking had no idea what I was talking about when I mentioned David Adam's answer which read If an unlicensed driver is involved in a automobile accident, they are, by default, responsible due to the fact that they are not legally operating a vehicle.
There presence on the road is considered the first in the chain of events that lead to the accident.
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