What happens if a person insures a vehicle for someone else and they have an accident and or are not licensed to drive the vehicle?

The person who deceived the Insurance Company and fraudulently insured a vehicle for someone else who really does not even have a drivers license is criminally guilty of Insurance Fraud. A Felony Offense. We can only hope this person will be sent to jail. The person who was driving the vehicle without a valid drivers license was likely an accomplice to the Fraud so Lets hope he goes to jail also. The Victims of this type of crime is the other motorist who the criminal hit and also the Insurance Company is a Victim. So we can only hope that they will seek prosecution of both parties to the fullest extent of the law.