Uninsured licensed driver uses my insured car. has an accident are they covered?

No, the uninsured driver is not covered under your insurance policy for the accident they caused while driving your car. Your insurance policy will likely cover *damages to your car* (depending on your coverage), and possibly *damages to the other party's car or injuries to other parties*, but only up to your policy's limits and after a process involving your insurer seeking reimbursement from the at-fault driver. This is because they are considered an uninsured driver. Your insurance company will likely pursue subrogation against the at-fault driver to recover their payout.

Here's why:

* Your insurance covers your car, not the driver: Your insurance policy protects your vehicle and, in some cases, other people injured in accidents involving your vehicle. It doesn't automatically extend coverage to just any driver.

* Uninsured/Underinsured Motorist Coverage (UM/UIM): This part of your policy *might* cover your medical bills and other damages if you are injured in an accident caused by an uninsured driver. However, it generally does *not* cover damages to your car caused by an uninsured driver who is operating your vehicle. This is often a separate coverage option, and the policy will specify what exactly it covers.

* Liability coverage: Your liability coverage protects others from your actions, but since the uninsured driver is at fault, it's their liability that's at issue, not yours unless you were directly contributing to the accident in a way your insurer would be able to prove.

In short, while your insurance will likely help mitigate some of the financial impact of the accident, the uninsured driver is personally responsible for the damages they caused, and your insurance company will likely pursue them for reimbursement. You might face higher insurance premiums as a result of the accident. You should immediately contact your insurance company to report the accident.