To the extent you have a question, you should ask it of your lawyer who knows the facts of your case.

No. You cannot buy insurance now for losses that occurred in the past. If that was permitted nobody would buy insurance until a loss occurred.

Turn the matter over to your insurance company. That's why you pay them.

Without injuries requiring medical attention it is unlikely that you would have a viable case for "pain and suffering."

Avvo is a site for US based attorneys. Yours is a question that needs to be asked of a Canadian lawyer.

I do not see a question here and more information would be needed in order to give you advice. So, for example, were you injured in any way such...

I am very sorry to hear of your wife's diagnosis. The application process can be a bit difficult but know that her condition will result in a...

Raising a child is expensive and the SSA pays survivors benefits to the now single parent to assist with those expenses. It is not to be given to...

I agree with Mr. Julian. Stop posting confessions on a public website. Hire a good criminal defense attorney if you can afford to do so and do...

Someone who is incapacitated lacks the ability to grant a POA. Guardianship is the only option so have a discuss with a local probate or family...