I have Comp, if you have valid insurance at all, it must be honored. No matter what status your license is. Until they actually cancel it.
Especially theft. You can have license suspended and still get theft coverage. I have 100% accessory as well as theft. I'd get full blue book value. Not just what I owe.
Get your endorsement, Not That hard. To cover your ***. If you get in collision, might deny it if not valid license. In some states, even with no helmet law, you can be denied injury coverage by jury if you didn't have one one. Med costs easily far exceed the value of any 'sickle.