You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
Not in the UK. It is probably the same elsewhere in the world Home insurance will cover your legal liability, but not while driving a auto. Hence auto insurance. the best u can get out of ur home insurance is maybe ur contents in an auto accident.
Certainly, you can get liability insurance which will cover you while driving someone else's car.
Read your policy. It may not cover you while you are DUI.
Entirely dependent on whose fault it was. Did you crash your car while drunk? Typically no, unless you have full coverage. You need to look over your plan and speak with your agent. Plans different greatly in coverage. If you have liability only, no, insurance will not cover it.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
There can be fatalities as with any car crash.
No.
Your auto insurance will cover your son while on a lerners permit. Check with your company as some require that he be listed as a driver and you must pay premium while others do not require that he be listed until he gets his regular license. If you insurance is telling you that there is no coverage while he is on the permit then you need a different insurance company.
If you have full covered insurance YES. Otherwise it will only cover the other person. DUI accident its just like a regular accident, with the difference that you will go to jail.
If you have a vehicle that you will be driving you will need to have insurance on it no matter what. You will not need any special insurance. Your regular insurance will cover you while you are out of state.
Probably, but the other guy's insurance company should cover it since he was liable (unless it was a hit and run).
If you have liability insurance your insurance should cover you while driving another vehicle with permission of the owner. The problem with a company truck is the limit of liability you might have to have.