Pay the debt. You took a gamble driving illegally without coverage. If they threaten you physically, call the police, But…..you owe the debt. ...

Not likely. Use your insurance. Good luck

Make an appointment with an attorney for a proper consultation.

Ask your attorney, he knows your case much better than us strangers. You are paying him to represent you.

Cooperate with your insurer. They have a duty to defend you. Good luck

Up to you. You can pay for an attorney to review your case. Good luck and take care

No set time. Ask for a supervisor. If they still delay, you can sue. Good luck and take care

Call around to see if you have a valid case.

Ask for a refund. That’s all you are entitled to. Good luck

Maybe, best to sit down with an attorney and go over all in detail. Good luck!