Go to your local police station and file a report today. While they will not cite anyone at fault, it may be necessary for your insurance claim....

What or my rights do I have to let them fix it or is there some other option

The insurance company has sole discretion on repairing or totaling the vehicle. Attorney Koppleson lays out the law very well.

What could happen to my husband and I, if he drives our car without a license?

Time for him to get a license and covered as a driver with a temporary/student license. No insurance, no driving.

Do I still have any legal claim to reimbursement since the vehicle has been fixed?

It is entirely the insurance carrier's choice on whether to total the vehicle. You may opt tokeep the car with a salvage title but that would not...

Is it too late to hire an attorney, and would it even be worth it?

It is not too late. This is the reason you need representation. They are pulling there standard b.s.. Time to let an attorney deal with it and you...

Recovering damages from hit and run from a commercial driver who fled the scene.

The information should be available on the police report. You may sue the company and the driver under a "John Doe" and later name him when you...

Can the medpay from the host vehicle subrogate the passenger's UM when there's no BI?

Med pay may have subro rights. Check your policy. Sounds like you are trying to handle the matter without representation. I encourage you to hire...

Should i settle or should i file a lawsuit

Hire a lawyer. There may be assets in her estate.

Can an insurance company be held responsible for sending me a check by mistake?

If you were not entitled to the money, you cannot keep it. Whether an admitted mistake or not, it is not relevant. You cannot take advantage of...

Can I sue for damages?

Yes you can file suit against the at fault driver for all damages incurred.