When you're delivering food, you're effectively using your vehicle for a commercial purpose. Most policies do not cover you to do a side job, such as rideshare or food delivery, without a special endorsement.
Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it.
Hello, You will have to have the policy in your name since you are the owner of the car. You will also need to list any person(s) that will be driving the vehicle regularly (more than once a month) as a driver on the policy.
Uninsured motorist bodily injury coverage will follow you for injuries you sustain from an uninsured driver. However, uninsured motorist property damage will not cover vehicles that are not on your policy.
Typically when the car is eight to ten years old (and paid off) we typically do not recommend comprehensive and collision coverage. The reason is that the value of the car is less than what the insurance and deductible can be. Since the car is paid off, the decision is really up to you.