I am pretty sure it is comprhensive.
Not where I live in Ohio. My mother co-signed a car for me, and her name didnt have to be on the insurance, as long as the vehicle carried full coverage insurance in my name.
Yes you can, it's called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance follows the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to decide if they'd accept liability.
This is not a state specific question. If you are given permission, then you are covered. Note: you can only drive a rental vehicle if your name is on the rental agreement.
Yes. You must have the insurance before you can legally register the vehicle.
liability insurance, see North Carolina
Yes you can. You may have to agree only to drive the vehicle with the owner's permission.
The owner of the vehicle must have the insurance in their name. You cannot legally insure something that you do not own. You can be listed as a driver on the policy and therefore can drive the car with no problem. You never want to insure something that you do not own because any benefits cannot be paid to you because you don't own the vehicle and they cannot pay the owner because he doesn't have a contract with the insurance company. I have, under special circumstances made exceptions with permission from the insurance company. If you son was in Iraq for military service for example, I have gotten the insurance company to allow the son to give the father power of attorney over the vehicle by signed and notarized documents. The policy is still written in the son's name as it should be but it allows the father to sign the insurance application and handle the insurance.
The vehicle is insured not the individual. You can pay for and obtain the insurance in the name of the owner with you listed as an insured operator.
Yes. Insurance follows the car not the operator. If your son has insurance, you and your vehicles' insurance would be primary (if he were operating your vehicle), and his would be excess if your coverage is exhausted.
That's going to depend on what your insurance company allows. Some allow you to insure a vehicle that is not in your name others do not. At the company I previously worked for we did allow you to insure a vehicle in your name even if the title was not in your name. You had to add an "owned by endorsement" to the policy. They will get all of the information about the owner as well as all of your information and run both driving records. Depending on the age of the grandchild, they might even rate for them on the vehicle if they do not have another vehicle that is insured in their name, or if they are not rated on another insurance policy.
Your husband must be on your policy to be covered. In some States you have to ad your spouse to the policy regardless if they will drive your vehicle or not.
No. It's the same as with an automobile. You cannot insure a vehicle that you do not have an insurable interest in which generally means that you own the vehicle. If you own the vehicle or motorcycle but are still making payments you are considered the owner.