It would make no difference as long as they had coverage on the date and time of the accident. They can cancel the policy after the accident and coverage would still be provided.
If you are guilty or are found guilty of causing the crash, your lapse of insurance will go against you. You solely will be responsible for any costs, court costs, fines, etc. And do reinstate your insurance!
The police will arrest you. Then there is a criminal justice procedure by which you will be charged with a crime and put on trial, and then either found guilty or innocent, with certain penalties being imposed if you are found guilty.
Because if he (who from your question's wording is their client) is found NOT guilty, he/they will not have to settle with you. You are NOT their client.
You go to trial, and you're either found not guilty or guilty. If found guilty, you'll serve time.
In court trials, the two outcomes are either "guilty" or "not guilty". Therefore, any one who is not found to be guilty is declared to be not guilty and will be free to leave the court. There is not verdict of "innocent" in virtually any court in the world.
yes, if it is on purpose. And if they commit insurance fraud....
It depends on the circumstances and locallegislation.
You would have to go to court and plead your case.
You can be arrested for obstruction
No, You will not be sentenced until after the trial and if you're found guilty of a crime.
You are guilty of grand theft auto.
Nothing more than would happen to any other driver. If you were charged and were guilty you'll get points on your license. It's probably likely that your insurance rates will go up.