What are you asking? Have you had a motor accident? Did the other driver have a suspended licence?
You will probably receive a citation for driving while suspended. If you were not at fault for the accident, the other party involved should have insurance that will cover your loss or damage that resulted in the accident. It is a good thing that you were not at fault in this accident.
For your safety, wait till the suspension of your driving licence gets revoked.If you are already having a car insurance policy,and your car is entangled into an accident during suspension period, you wont get any insurance claim from the insurance policy. You may also be trapped into police interrogation for driving with a suspended licence.
You will most likely be charged with driving with a suspended licence. The owner of the car u were driving may get in trouble if he knew you did not have a licence and let you drive anyway, however if he didnt know you did not have one then nothing will happen to him. His insurance should (if he has insurance) cover the other guys car and his as well if he had full coverage.
It gets suspended
If they don't have a licence they won't have valid insurance. Your own insurance company will advise; in the UK there is a pool to cover this, but it'll be different elsewhere.
Legally you cannot continue to have commercial insurance till your business licence is revalidated. It's your duty to intimate the Insurance Co. about the suspension of your business licence.
If you have no licence you are driving illegally.Any insurance you may have taken out becomes null & void.Basically you arent insured even if you pay the premiums.Get a licence as you could end up with a law suit if you were to have an accident & hurt someone.As youre breaking the law, you could end up with police on your case too!
Your parents status should have no effect on your ability to get insurance.