Are you still using it? If so, yes.
yes
Insurance follows the vehicle, not the driver.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
If you do not carry the minimunm state insurance coverages, then you must pay the uninsured motor vehicle fee of $500. This is not insurance but it allows you to operate your vehicle on Virginia's highways at your own risk. If you get into an accident, you will have to pay all the fees associated with the accident.
There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.
They have to pay for your repairs themselves
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Sure. If you have no valid license, you have no business driving a car at all. If you weren't driving illegally, you wouldn't have had the accident.
went to a car dealership where I bought a car because I had a accident the insurance pay off the car but the dealership will not give me my payoff --- Contact the loan company.
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.