Does my wife need to be on my motorcycle insurance policy?
You do not have to have to list your wife on your motorcycle policy. If she won't be driving the motorcycle, you can have her listed as an excluded driver.
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How do I dispute a homeowners insurance claim?
Sorry to hear about your recent troubles. Unfortunately, to dispute a homeowners claim such as this, the best way forward is to seek legal advice.
Will I be able to get a new car after an accident?
Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible.