well i can actually answer this (lol who woulda thought any good would come of it) my wife was hit by someone who didn't even have a permit, she had to go to the hospital.... the insurance company isn't covering all of our bills (even if it was the insured driver in the car they still wouldn't have, there was a cut-off limit on the insurance it's self) but they are going to pay up... like i said, the driver didn't even have a learners permit, much less was she insured on the car.... so there, hope that answers your question.

edit: btw we live in texas as well.