Good luck getting any relief from the damages caused by the driver with no insurance since you were on the road without a license. Given the circumstances, you cannot file a police report. If the other driver offers cash, take it. Your insurance certainly won't pay either. I suppose you might park the remains of your car and start riding the bus or bike until your suspension ends.
What are you asking? Have you had a motor accident? Did the other driver have a suspended licence?
Your insurance rate goes sky high.
It all depends on her insurance cover
You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.
You have to pay the cost of repairs to get there vehicle fixed. You may also have you license suspended and get a ticket.
no insurance + jail
Yes. The fact that your license is suspended is NOT considered a contributing circumstance to an accident.
Probably not. I am certain that somewhere in your policy there's a clause stating that you can not drive while your license is suspended.
Actually, they are at fault, or so it's presumed - if their license is suspended, they shouldn't have been driving, hence, they should not have been there to have been involved in an accident. On top of that, they've voided their insurance policy by driving on a suspended license, so the expenses will likely end up coming out of pocket.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
In California, the law is, if you in fact have an accident in California without insurance, and the dmv finds out about it, your license will be suspended for 1 year.
They will probably try to deny coverage on your claim. Did you inform them that your license was suspended? Probably not, I imagine.