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The insurance company has not authority to do what you are describing here. It sounds like you were really charged in this accident and deemed At Fault and the Department of Motor Vehicles has suspended your license because you refused to pay a fine for the ticket you got in the accident. Also, the insurance company can file suit against you if you are found to be at fault and you decided not to cooperate with the investigation.

If their was two stories as to who was at fault and you decided that you were right so you didn't bother to help the investigation with either company. Next, your insurance company could not fight on your behalf because you wouldn't assist them with the claim investigation. At this point, the claim would be deemed to be your fault and the rest fell into place after that. A company does not have the authority to do anything you have stated here so I don't really know what is happening. Sorry I can't help more.

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Q: What happens if the insurance of the one at fault insured is charging you for the damages and suspended your drivers license?
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