Thanks for the question. The first thing that I would say is that you should consider having them get their drivers license beforehand.
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Car Insurance Costs
As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.
It's very likely that you can still get insurance. However, you will have to find a company that doesn't require everyone listed to be licensed.
As long as the vehicle is still registered and licensed, then it needs to be insured. Pennsylvania can suspend your license if you suddenly drop insurance off a vehicle.
Coverage & Claims
Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.
Yes, there are several companies that will insure you without a license. Some companies will require you to get a license within a certain time frame so make sure to find out the details before getting a policy.
Hello, You will have to have the policy in your name since you are the owner of the car. You will also need to list any person(s) that will be driving the vehicle regularly (more than once a month) as a driver on the policy.
I understand that you might want to try and potentially save money, but lying to your insurance company isn't going to help. In fact, it could potentially even lead to your coverage being dropped.
Here is a good resource from the State of Michigan regarding license information. It does look like you have to go to the DMV.