If your 16 year old got a speeding ticket the parent's insurance be definitely be affected in Michigan. The insurance bill will increase in money owed.
depends on state laws on individual ins companies. you have to ask your company
It will show up on your speeding ticket and quite possibliy on your insurance forms similarly such as: speeding 10-14 miles above the speed limit 4pts. It may not state the exact speed in the insurance records though.
Yes.
my son is on my auto insurance policy but he has moved to florida and I live in Michigan. Can he still be covered on my auto policy if he now lives in florida?
Insurance is overseen by individual states. If your parents have your car insured in Michigan and you are now living in another state with your car, say California, you will need to get a California auto policy, and drop the Michigan one.
Are you not still covered under your parents policys? Do you have a guardian? Or are you emancipated? Most states will not allow a minor to enter into any CONTRACT and insurance is a contract. You could contact an agent in your area for the answer. Good luck.
Most likely , Yes
The fact that a driver gets a speeding ticket has nothing to do with the owner of the car(unless it's the speeders.) The vehicle owner's insurance company will never know about the ticket, but your's will (or your parents) if you're a minor and insured under your parent's insurance. However, if there's a reportable accident involved with the speeding ticket, then the owner of the vehicle,(I'm speaking only for New York State, not sure about others), will be considered responsible for the accident, since the insurance company will now know, but the speeding goes with the driver.
The offspring of the parents are affected
If they are elderly parents, Yes. But if you are under 40 you cannot put life insurance on your parents.
No, your points are not affected by the company, but by your driving record alone. The claims history of that policy will remain. But the parents policy premium will decrease significantly if the risk is no longer covered on their policy.
You may take out an insurance policy on your parents if you have power of attorney over them.