Allstate vs. Esurance insurance

You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.

Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.

It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.

There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.

Any citations you are issued are a part of your personal driving record. However, unless you are planning to switch companies in the near future, it's unlikely your personal auto insurance company will find out about it.

Alabama requires that registered vehicles must also be insured. If your registration tags expire and you want to renew them then you must have active auto insurance before the new tags will be issued.

Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally in the event that the police are called and a report is written the information of both drivers is documented, including insurance information.