Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Uninsured motorist coverage
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
If your license was suspended, and you were driving, it is quite likely that you insuror will NOT pay for the damages, and will cancel your coverage, because you were knowingly operating the vehicle unlawfully.
Third party insurance only covers the property of the other person(s) involved in an accident, not your car. Full coverage insurance (or comprehensive insurance) also covers your car if you damage it.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
You will most likely be charged with driving with a suspended licence. The owner of the car u were driving may get in trouble if he knew you did not have a licence and let you drive anyway, however if he didnt know you did not have one then nothing will happen to him. His insurance should (if he has insurance) cover the other guys car and his as well if he had full coverage.
As the owner of the car you're liable as well as responsible for maintaining insurance coverage on your vehicle. If you knowingly allowed your son in law to drive a vehicle which is not insured is even worse. Therefore, yes, your license can be suspended, especially if you're sued and a judgment is issued against you.
You will probably receive a citation for driving while suspended. If you were not at fault for the accident, the other party involved should have insurance that will cover your loss or damage that resulted in the accident. It is a good thing that you were not at fault in this accident.
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.
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....