kentucky

Sorry to hear about the accident. You should have no need to insure the vehicle further.

O and L stands for Ordinance and Law. Though your agent said that it wouldn't cover code upgrades, perhaps he meant that if a code went into law, your insurance isn't going to accept claims to upgrade the home and bring it up to code — unless your home suffers a loss.

This entirely depends on the date of the loss, i.e. when the home burglary happened.

Sorry to hear that this is following you. Unfortunately, some companies won't work around it if these claims show on your prior plans.

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.