Q: What happens if I'm in a car accident with an unlicensed driver?
Whether the driver that hit you was operating the car/truck with a suspended Indiana driver's license, or if they've never had a license, it typically makes no difference as long as the vehicle they were driving was insured and it was not stolen or being driven without the owner's permission.
The insurance company is still liable for you injuries (in most instances) as long as the at-fault driver was considered a permissive user. However, if the unlicensed driver does not have insurance, then the law firm that represents you will likely work with your insurance company to cover your medical bills, lost wages as well as pains and suffering.
Typically a police report will have the initial information needed to help determine whether or not the driver was legally licensed.