It is almost impossible to insure the car after an accident since most auto insurers either check the photos or send a live agent to check the car before issuing a policy. It would be a good idea to carry an insurance going forward though.
You insure a car for a person or persons, so that in the event of a accident with that car, insurance can be claimed only if a named driver on the insurance was driving at that time.
The repair of damage caused to your car when you caused the accident
The make, and model number, and previous accident history.
Firstly, they most probably won't be covered by your insurance. Secondly, it is illegal not to have your car insured. Both could end up with you losing your car.
Usually yes. Convertables are usually very small and smaller cars don't do the driver so well in a car accident.
if the title is still in your name yes.
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
you can insure a car with no license
You can insure the car if you list those drivers on the policy.
No. You must have a valid driver's license to insure your car.
Higher theft rate, higher probability of an accident, more expensive to repair.
If you wish to insure your car with SR22 insurance, you will need to provide the details of your automobile and your driving history. If you have previously had an accident, this will be scrutinized.