回複：萬聖節遭遇車禍，懇請大家幫忙分析！

First, the school zone limit 20 mph only applies when the light is flashing. In your case, its just ridiculous that you think there's school zone speed limit.

Anyways to answer your question:
1. Insurance company are supposed to pay for your damage, minus the deductible. It doesn't matter if you only have a permit... If they deny, just argue with them.

2. Should have no problem if the other driver doesn't sue you. He/she might just want you/your insurance company to cover the fee. Let the insurance companies to talk.

3. Maybe 500 D for moving violation. It depends how the court goes.

4. No, but remember, if convicted Clabb B misdemeanor, you might get deported.