kentucky

If your son is living in your home, he needs to be listed on the policy as either a driver or an excluded driver. An excluded driver means they are not covered to drive the car at all.

It depends on the company. Most companies go back five years for at-fault accidents, but some only go back 3 years.

To get an exact answer you would want to contact State Farm directly. Most companies will allow four cars on a policy.

If you file a claim, your rates can be impacted for up to five years. As far as towing, that would be a question for your insurance company.

Unfortunately, your insurance would not cover this type of damage. collision and comprehensive coveragee are considered the "full coverage" portion of your policy.

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance.

It depends on the terms of your loan contract. In most cases at any point of time the vehicle was not insured they will force their own coverage on the vehicle and add it to your loan.

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year (page 58 of the report).

Insurance companies analyze a lot of information to better forecast risk (customers). This basically means that they try to determine how likely it is that a person will file a claim and charge that customer accordingly.