What to do if I got in an accident and didn't have insurance and now I do?

The insurance will come after you for $ they paid for your negligence. They will likely have your license suspended

Will my insurance be affected if I was rear ended and found not at fault if I file a claim?

If she was a minor or you can show the parents were negligent, they all may be liable for your damages out of their own pockets. Read your policy...

Can I sue an individual who allowed an underage, w/o license individual drive his car?

it sounds like you already had your day in court. You did not raise these issues. That boat has sailed. You don’t get multiple bites st the apple.

Do I have a case?

Plead not guilty and have your day in court. The fact that you left the scene, even though you returnred, is problematic.

I let a friend borrow my truck and it got totalled.. He's unlicensed will it void insurance?

Possibly. The answer is in your policy and what you knew about his status.

Until the check is cashed and s release is signed the case is not over. However, the adjuster is unlikely to offer anymore tan you have agreed to...

What can you be charged for if somebody jumped at your car whilst you are reversing, and them being not injured?

I assume the police are involved. Consult a criminal lawyer. I would think that you need to contact the police but say nothing without an atty.

You are not legally liable or criminally responsible as a passenger. However, you are a witness.

This is now a criminal damaging. Report this to your insurance carrier immediately before the police contact you.

Will i get a check if my insurance company totaled out my car and I have gap coverage? I am also injured from the wreak?

Any lien holder will get paid on the property damage. Your gap insurance will cover the difference between what you owe and the fair market value...