If my husband is excluded from his sister's policy, is he still covered as a passenger?
Sorry to hear about your situation. The big question here is this: who was driving the car?
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If I'm uninsured and the person at-fault for the accident is insured, how do I get my car fixed?
Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.
Will filing a claim for a $2300 increase my rates?
There are a few things to think about. Your comprehensive coverage would cover your windshield damage.
Insurance increase due to increased cost of parts and labor?
There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.
Getting into an accident with a suspended license
I would recommend looking at the policy documents you signed at the beginning of your policy. Most policies have certain stipulations regarded suspended licenses because you have to have insurance in order to get your license validated.
Will GEICO cover another driver who is insured but not on my policy?
You will need to contact GEICO and ask the company directly. Generally speaking, if someone regularly drives your vehicle then they need to be listed on your policy.