If it was their fault, their insurance company will cover the damages of your vehicle. I would hope that the person at fault has filed the claim already but you need to make certain. I also hope that a police report was done at the time of the accident.
Their own insurance would cover it if they had collision insurance.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
There is no such product
Typically the person who hit you pays. If they don't have insurance, your no fault insurance will pay for it.
In this state, a no fault state, full coverage insurance covers the other vehicle if you are at fault.
Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.
Covers medical expensives for you and passengers, will cover damages if other driver who is At Fault doesnt have insurance.
It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
Yes. The fact that your license is suspended is NOT considered a contributing circumstance to an accident.
Yes. All registered drivers are required to hold liability insurance, which means that if they cause an accident, their insurance will pay for damages to the other peoples' cars. So, if the person does hold the required insurance, and is entirely at fault, your damages will be covered.