If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.
I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.
Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.
Most financing companies will require you to have comprehensive and collision coverage which means you would not be able to get storage insurance. Check with your finance company to see what options you have.