GEICO vs. Foremost insurance

The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.

For any policy, car or RV, you will need a permanent address. However, I wouldn't recommend using an address in Michigan. Because of Michigan's DMV laws, they are the most expensive state in the nation to get auto insurance from.

The majority of homeowners insurance policies do not provide coverage for flood damage. Unless your insurance policy provides coverage specifically against floods, you would have to have flood insurance through FEMA or the NFIP.

The answer will depend on the coverage you currently have on your policy. There are two instances where boat insurance would cover an injury to a passenger caused from falling overboard.

As long as you aren't driving the vehicle and it isn't registered then there should be no issue leaving the vehicle off of your policy. If you plan to drive the vehicle on a public roadway, you will need to insure it.