Who is liable for damages from an hit-and-run unlicensed driver and the insured owner of vehicle was passenger?

In the scenario you described, determining liability for damages from a hit-and-run accident involving an unlicensed driver and an insured owner of the vehicle who was a passenger can be complex. Here's a general overview of the potential liability:

1. Hit-and-Run Unlicensed Driver:

- The unlicensed driver is primarily responsible for the damages caused by the hit-and-run accident. Since the driver was unlicensed, they may face legal consequences and penalties for operating a vehicle without a valid license.

- However, since the unlicensed driver has fled the scene, identifying and locating them can be challenging. This may make it difficult to pursue legal action directly against the driver.

2. Insured Owner of the Vehicle:

- The insured owner of the vehicle may have some liability for the damages if they were present in the vehicle as a passenger and the accident occurred due to the negligence of the unlicensed driver.

- Some insurance policies may include coverage for accidents caused by unauthorized drivers, but the specific coverage and conditions vary based on the policy. The owner should check their policy to understand their coverage options and limitations.

- If the owner knowingly allowed or permitted an unlicensed person to drive their vehicle, they might be held responsible for the accident. However, the extent of liability may depend on the specific circumstances and applicable laws.

3. Third-Party Claims:

- If the hit-and-run accident resulted in injuries or damages to third parties (other vehicles or pedestrians), they might have the right to file claims against the insured owner of the vehicle through their own insurance policies.

- In such cases, the owner's insurance company would assess the liability and coverage based on the policy terms and applicable laws.

4. Contacting the Insurance Company:

- Regardless of the circumstances, the insured owner should promptly notify their insurance company about the accident. The insurance company can provide guidance, handle claims, and assist in exploring available coverage options.

It's important to note that laws regarding liability and compensation for hit-and-run accidents vary across jurisdictions. Contacting a legal professional or insurance expert can provide more accurate guidance based on the specific details and applicable laws in your location.