Yes, but only if you are covered for business use. If not, then no, they do not have to pay up as you were using your vehicle outside of the policy.
You need to read your contract, in most states any legal driver over 25 is covered on any policy and on some policies cover everyone with A valid license. Also if the person is using your insurance to cover damages they caused, You can sue them for costs. The policy is yours not theirs.
Are you still using it? If so, yes.
The insurance market is full of employers liability insurance providers. To save time, consider using two or more comparison engines to compare the various insurances offered side by side.
No, living with you or not, you son's name must be on the policy to be covered. If he gets into an accident, he has to tell the police a good reason for him using your car that day so your insurance doesn't penalize you. You can say you were sick and he went to pick up medicine for you that day or something like that. If he admits that he regularily drives your car, it will get you in trouble. If the accident isn't his fault and he has a good reason for using your car, it should be okay.
If your policy was still active, then it is covered, If you suspended? or rather cancelled your coverage. Then it is not covered. If you had taken your auto out of us and suspended your insurance than you will need to again restore your auto from non-use to use and notify your insurance company of the same before you start using your auto. You have not done this and hence even if you have valid insurance the insurance company is liable to pay only liablity - if any and not for damage to your own automobile.
Accident reports are usually filed with the police. They will interview the person and fill in the accident report using those details. A separate report is filed with the insurance company.
Absolutely not! If you are still using the vehicle, it must be insured. However, the insurance payment would not be covered by the bankruptcy.
The rule of thumb is that the owner's insurance pays first and, if that coverage is inadequate, the driver's car pays.
Globe Life and Accident Insurance is a license holder for the named after insurances in the United States. They are rated A+ based on management skills, financial strength and integrity. They have 3,8 million policy holder.
The money is for an autorepair. I would recomend using it for that, or the insurance company can possibly charge you with intent to defraud.
In the US, at least, you can be sued for just about anything. I'm uncertain as to exactly how you could not know someone was on your insurance policy, though.