A car insurance question

[DaFace]

Originally Posted by Unnecessary Backstory

I have a female relative whose significant other is...well...frankly, he's a bit of a douchebag. Until about two years ago, they only had one car between the two of them, but that didn't matter too much since he didn't have a license. However, the situation was making it pretty difficult for him to find a job, so when we upgraded my wife's car, we gave them her old one (which was old, but worked decently). The idea was that he would get his license and then drive the car back and forth to work. This was about 2 years ago.

Fast forward to today. For reasons I cannot comprehend, he still hasn't ever gotten his license (hasn't even tried), and my wife's car hasn't moved in over a year. Even so, he has been driving their OTHER car to work here and there (without a license).

I'm staying way out of the situation, so this isn't an "advice" thread. I have no intentions of telling them how to live their lives. However, I'm curious...

What happens if an unlicensed driver gets in an accident from an insurance standpoint? In other words, say one day he goes out and wrecks the car. Would insurance cover that, given that she has knowingly allowed an unqualified driver to operate the car? What if the situation was much more dire, and he was the cause of an injury accident? Will insurance still cover liability in that situation?

I guess, if I were an insurance company, a basis for the "contract" would be that you don't allow unqualified individuals to operate your car. However, I've never heard of anything like that either.