I have liability coverage only and I hit a highway median. Am I covered for any damages?
Liability insurance only covers damages you directly cause. It never covers your own property.
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Is it fraud to tell the insurance company you're still married but you're not?
Their relationship status has nothing to do with the policy as long as they are not listed as married if they are legally divorced. However, the fact they're living at separate locations is a problem.
Criminal charges for filing a false claim with my new insurance company?
This is considered insurance fraud. You do not want to file the claim.
Is this insurance fraud?
Yes, that is fraud. An insurance company needs to know what kind of risk it is being exposed to in order to accurately price the policy.
What options do I have if I had an accident before setting up my insurance?
That would be considered insurance fraud. Unfortunately, the fact that you didn't have an active policy at the time of the accident means that you won't be able to file an insurance claim.
If you hit a pothole but claim a hit-and-run, is that considered fraud?
It's very likely that the claims adjuster examining the vehicle will be able to tell the difference between damage caused by another vehicle and damaged caused by a pothole. If she is being dishonest with her insurance company then it's likely that they could deny her claim altogether.
Is it fraud for someone to be legally married but get car insurance in their maiden name?
There is no fraud issue with using a maiden name on your policy if you prefer unless the purpose for using the maiden name was to hide the fact that you are married. Your insurance company will require that your spouse be listed on your policy and excluded if you don't want him covered to drive.