Not every unlicensed driver is uninsured, but most are. It is rare to find a driver who has insurance but no driver’s license. Some of those rare scenarios may include the following:
The person’s driver’s license was suspended, but his or her insurance company has not canceled the policy yet
The unlicensed driver owns the vehicle and has an insurance policy on said vehicle
The unlicensed driver is borrowing a vehicle from a friend or relative who has an insurance policy
These scenarios could make it difficult to file an insurance claim, though, as the insurance policies may have fine print to allow them to deny coverage if an unlicensed driver causes an accident. It is best to review the available insurance policy with an experienced attorney to determine your legal options.