Depends on which state you live in, but in most states a license can be suspended or revoked, and in some states it is an "automatic" penalty.
An insurance company cannot suspend your license, period. Only the government can do that. What they can do is refuse to insure you. In practical terms, this may amount to the same thing, since most states make it illegal to drive without insurance (or some other proof of financial responsibility, such as a bond).
You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.
Driving without a license is a crime. If you report that you where driving your dad's care without a license, you could get yourself into trouble, and put your dad's rates though the roof. Do not call the insurance company and tell them you where driving unlicensed. If you have your permit, and where driving legally with a licensed driver, and you had an accident in your dad's car, yes, you can report it and his insurance may cover it if he has that type of policy. If anything, your dad could report that he had the accident, though that would be dishonest.
Yes, you should get it before you go to court. If you appear in court without the required Sr22 Certificate the judge will have no choice but to suspend your license as you are continuing to demonstrate that you have no desire to comply with the law. As far as will they suspend your license anyway, well that depends on just how bad a driver the court perceives you to be. But if you go to court and have not obtained your sr22 filing you are guaranteed they will suspend your drivers license.
Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.
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