I'm hoping you'll re-visit this site and rephrase your question, because I'm not sure what you mean and I'm very curious.
Typically, you would only need to sue your own insurance company if they've breached your policy, or contract, with them. This is called "bad faith." It might occur if, for instance, you were injured, have medical coverage, and your carrier is refusing to pay. Or perhaps you were at-fault for an accident, got sued, and your carrier didn't didn't defend you.
At any rate, I'm still curious as to exactly what you mean...
Yes.
If the insurance company had to pay anything for damamges, then they will raise your rates for it. An accident will be on your record whether at fault or not and whether or not you got a ticket. Changing insurance companies may not save you much money. If you can get documentation proving the ticket was voided and your driving record is clear, forward it to your insurance company. If they refude to take it into consideration, file a compaint with a supervisor or a general director of the company. If that fails, you might want to think about shopping around.
When the insurance company finds out about it, possibly. I imagine that it depends on your insurance company, but I'd say yes.
No, not unless you want to have repairs or need to repair another person's car. If you got a ticket because of the accident they will know because the ticket will be reported to them.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
No, no ticket, no report, no knowledge to insurance company.
Not if it happened on private property and generally speaking if you weren't issued a ticket at the scene of the accident you most likely won't get one later. The insurance company can't issue a citation. Only the police can do that.
Expect to get a ticket for not having the insurance.
You get a ticket and your insurance goes up. You can not drive without a license and if you cost the insurance company money they raise your premiums especially if you get a ticket
This all depends on the facts of loss. With more info I could be of more assistance.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
It usually does, but not always, I have been with my company for many years and have built up an accident or ticket forgiveness. It depends on many things, but most important is that this is up to the insurance company