Does an insurance company have to reimburse me for the balance of a loan?

You are only entitled to fair market value. Without gap insurance you will not be paid the difference. Other losses causally related are compensable.

Can I be held liable?

You would not be responsible for any of the criminal charges or resulting penalties. With her history you could possibly be held liable for...

If I was in an accident but not at fault my insurance dropped 8 days ago my payment didn't go through from my bank.

Were they able to locate the at fault party? Typically you need to receive some notice prior to cancellation. Look to your policy for the terms of...

I was in a wreck, my car a total loss. Can the at-fault driver's insurance deny my claim since my drivers license was expired?

Your lack of a license does not change the at fault driver's liability. You should be fine.

First, you only get one bite at the apple. If you settled, you likely signed a release. Case over. Second, there would be a statute of limitations...

Single car auto accident due to big pothole. (total lost)

You can sue the city. However, most jurisdictions require that the pothole had been reported prior, for them to accept any liability.

WHAT ARE MY OPTIONS FOR A CAR THAT'S TOTALED IN AN ACCIDENT?

You can only get the fair market value. Unless you carry gap insurance, that is it. The at fault has no assets, don't throw good money after bad.

This is not a workers compensation issue. His employer will not pay the damages. If the other party is insured, their insurance should pay....

What do I do?

You need a lawyer to be with you in court. This is only going to get worse before it gets better.

Is there any use pursuing this: small claims court? $1500 ER bills, $3000 car, lost wages and weeks of emotional anxiety?

Not surprised about All State. They are not the easiest to deal with. We usually just file suit on an All State claim because of their ridiculously...