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Your Insurance Rates will almost always "decrease" when you obtain your permanent Drivers License, barring any accident or tickets having accumulated while you had the learners permit.
Only if it was your fault. If someone ran into you, you have no control over this.
Perhaps, I have seen this happen many times, will depend on your state laws, and the judge.
Getting a ticket while you have a permit can keep you from getting a license while you are in Indiana. It is important to abide by all rules while learning to drive. You could get your license delayed for up to 30 days.
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.
Not while the suspension is ongoing
No. A permit driver is required to be supervised at all times while driving.
You can get a divers license with or without having a GED.
causing a serious accident while driving
Probably not. I am certain that somewhere in your policy there's a clause stating that you can not drive while your license is suspended.
you ni^^a
Hopefully you were not driving alone ... you could lose your permit for that. Otherwise, it works the same as if you had a normal license ... the police will take down all the information - whomever was in the front passenger seat (hopefully a licensed driver over the age of 21) will also have to accept responsibility, as you were driving under their guidance and direction.