If you had a clean DL for over 15 yrs and had 1 bad accident w no injury/death, what happens to DL & insurance

I'm an insurance guy myself and that's a common question. First of all, the status of your DL will depend on if you were cited for anything. You didn't say whether you were or not, so I'll assume you weren't. Your DL will be unaffected. Your insurance rates will increase. That's standard practise. But you won't have any immediate out of pocket insurance expenses (since your deductible will be taken from your total loss check), so you won't see an increase in rates until you renew your policy in 9 months.

There are a multitude of factors. What is your credit rating? (yes, this is used to determine insurance). If you've had 0 tickets in the last 3 to 5 years, and only 1 accident, and it's not your fault, you should be ok..most insurance companies will eat that. If your record has blemishes on it from other states and the insurance company finds out, you may be in trouble, and I say this based on your comment "with no negative record ever in California state". If you weren't cited for anything in the crash of your car, you should be fine, both DL and insurance wise. The insurance company will inspect the car, consider it totalled if the value of the car is less than what it would cost to fix it, hand you a check, take your car, and sell it.

The Yankees can win with out ARod for 15 days. the project is the pitching and scarcity of hitting ordinarily. They lost and the Tigers scored 6 little runs. The previous Yanks could truthfully score extra effective than 4 runs. those Yanks look as though they do no longer even care in the event that they win or lose. A shame.