Call your state BMV's reinstatement division and ask what you need to get reinstated. They will give you an itemized list of what is needed

My husbands license was pulled by state of Wi Will our insurance still cover him?

Your insurance would likely have an exclusion for him as an unlicensed driver. Read your policy.

Underage driver involved in accident, who's insurance?

And you failed to keep an assured clear distance from the driver ahead and are liable for the damages.

Someone claimed a witness saw a female(my wife) hit their car.

Sounds like a waste of time and money.

How much can I get from auto accident?

The law follows the medical. Without seeing your medical records there is no way to evaluate the claim.

Automobile accident involving non-custodian parent and minor children and custodian parent involvement.

The lawyer does not need to share info with you as the non custodial parent but your insurance should be able to give limited info.

How can they charge me for second or subsequent offense

Your record should show it as your first. Have the prosecutor run it.

Can I get sued for an accident where I wasn't involved?

It sounds like you should be fine. But get the car out of your name immediately.

What should I do.

Contact a criminal atty if you believe you may be charged. Otherwise there is nothing more you can do st this point.

How can my car insurance deny claim.

It is your duty to take care of your insurance. It is not the dealers responsibility to take care of your coverage.