Your question makes (2) assumptions. (1) that you were cited and (2) the violation has points. Not all vehicle code violations have points associated with them. Points are only assigned by the state to your driving record (license) upon conviction. When/if your insurance company reviews your driving record and sees the accident (not the points) and that you are listed as unit or vehicle 1 (at fault) then they may charge a surcharge
Points on your license does not automatically raise your insurance until the insurance company looks at your record. This usually only happens when you change your policy or have an accident.
If you have a current insurance policy and are in a car accident, but have an expired license, it is up to the insurance company if they will pay the claim or not. It could be in their clause not to, if a person does not have a valid drivers license, especially if you are the one at fault.
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
Contact the party that issued the insurance policy for this answer.
Probably not. Although the insurance company may give you a discount for taking the course, it will probably be much less than the amount your insurance went up after the accident.
Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.
Probably not. I am certain that somewhere in your policy there's a clause stating that you can not drive while your license is suspended.
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
Yes. You can even get insurance without a license. However, if you get into an accident and you're found driving alone on a permit, or you're found driving without a license, it will void your policy.
If you don't have insurance then there will be no one to pay for an accident. If you are hit by someone who doesn't have insurance your own insurance policy may pay for damage to your vehicle as well as bodily injury within your policy or state limits
An accident policy is an insurance policy that will pay all or a portion of medical expenses incurred in the course of an accident.
it might not affect you current policy but after renewal the points you received in that accident with Hurt you.