You would need to consult a lawyer to determine potential settlement. Some lawyers give free case evaluations
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
If the damage occurred during the accident in question, then it should.
You should call your insurance co. first. They will have the information you need. If you did not have insurance at the time of the accident or have changed insurance carriers since the accident consult an attorney.
In most insurance claims, the burden of proof is on the claimant - in other words, YOU have to prove the accident occurred for them to pay off the claim.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
Just file a claim with the other parties insurance company. You called the police and got an accident report, right?
It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.
DOL, or Date of Loss, indicates the calender date of an accident or the date that the loss occurred.
As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.
If the accident was reported to the police at the time it occurred, I believe a report can be filed, although it should have been filed ASAP. Check with your insurance company and state regulations.
No, the accident occurred between the two parties, a police report is not necessary. Your insurance company can take the information regarding the accident. A police officer may write a citation based on the story that is told, but he cannot testify that he witnessed the accident so his involvement is generally useless.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.