Yes.
True
True
You have a higher risk of falling asleep at the wheel. So yes, you do have ahigher risk of a collision.
Yes
false
Yes
Yes
True
No, your pulse rate usually goes down when you are sleeping, but it could vary to a higher rate if you are having a nightmare.
Intersection
When traveling at a higher rate of speed you will have more force in case of collision.
Yes, probably. Driving with the lights off puts you at greater risk of a collision, so a greater risk usually translates to higher insurance rates.