I am an Insurance Broker - dependant upon where you live, your son's accident will be covered, either by your policy (considering you have adequate coverage, or his mother's, considering her coverage) Here in Canada, no-fault allows our own insurer to cover the vehicle, no matter the driver.
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
What are you asking? Have you had a motor accident? Did the other driver have a suspended licence?
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
no insurance + jail
It would be no difference than if the people involved in the accident had different insurance companies. The coverages are the same so there would be no difference.
you die
Yes it does. The cancellation of an insurance policy is not retroactive.
The same thing that happens if you did not have an Sr22. The at fault parties insurance generally pays for the accident.
Auto insurance.
If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
When an unlicensed driver has an accident, the registered owner of the vehicle may face legal and financial consequences. The owner could be held liable for damages resulting from the accident, especially if they knowingly allowed the unlicensed individual to drive their vehicle. Additionally, the owner's insurance may not cover the accident, leading to potential out-of-pocket expenses. In some jurisdictions, the owner could also face fines or penalties for permitting an unlicensed driver to operate their vehicle.
Well Someone will sue you and the insurance will do something about it!