You will have to check your policy. Insurance companies have different rules, so there is no one answer fits all. I would expect that it would affect the bonus, as they are more interested in the driver's ability then the specific vehicle.
that is my question
Your insurance is either valid on the day of your accident or it isn't. If you are asking what happens if the policy was valid on the day of the accident but lapses before the claim is settled then the coverage that was in effect the day of the accident still applies. If your policy was not in effect the day of the accident then coverage will not apply.
Yes, because it is all reported to the state DMV offices under the driver's license number of the driver. All insurance companies double check the DL# for previous accidents and incidents, etc. It's going to show up.
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.
Yes
the insurance policy must conform to the statue of the state that the accident occured in....so in this case NJ statues would apply.....
It depends on who got the ticket. If the ticket was issued to the driver it will effect his insurance but if it was issued to the passenger then it will only effect his insurance.
An exclusion will stay in effect until you ask the insurance company to reverse the exclusion.
In California a disability will not effect your insurance quote but if you are in southern state like Florida a disability will effect you insurance quote.
A non rated driver is usually one that doesn't effect the rate.
Inquire your insurance companies to see if they have new driver discounts in effect. Some insurance companies will offer special deals to new drivers and experienced drivers.
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.