My cousin-in-law got into an accident driving my car, and insurance won't cover/defend, what's the best defense route to take?

Sounds like he did have permission. Tell the insurance to pay the claim.

What can I do if my roommate took a picture of me asleep without me knowing?

That is irritating but it is hard to see enough damages to justify legal action. Consult an attorney regarding a cease and desist letter.

Yes, but it is not a good idea. You simply do not have enough in damages.

Will I be compensated with a lump sum at the end of my disability from workmans Comp if I quit my job

Consult a workers compensation attorney before you make any decisions.

No one has called me.

Use the finder and make some calls. You will have to initiate the conversation.

Can you sue a state or county hospital for malpractice?

Yes, consult an attorney as soon as possible to preserve your claim if you have one.

Can I recover the court fees for my small claim court lawsuit from the at fault insurance?

If you win you may recover costs. If you settle it is negotiable.

Can I fight a drivers licence suspension if I wasn't in car during accident but car is registered to me?

Consult with a traffic attorney in the state where the suspension took place.

What can I do to try and get reimbursed for damages to my car?

Depends on the extent of damages. If they are high enough then you could consider filing a complaint.

I was find at fault of a vehicle accident but poloce report show other wise.

If you were injured consult an attorney. If not, there is not much you can do if your insurance company wants to pay a defensible claim.