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.
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.
no insurance + jail
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.
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.
Auto insurance.
Nothing, as long as you don't get stopped and you have no accidents. If you do get stopped or have an accident, then you will be in trouble. The vehicle may get taken off the road, or you may have to deal with insurance problems.
If you are involved in the accident it is a crime to leave the scene, but if you are a witness or bystander there is no problem.