Don't assume that your South Dakota insurance company will ever know about the ticket even if it does become part of your South Dakota record. Also, 1 ticket does not necessarily mean an automatic increase in premium. More than likely the ticket will not show up on your record. Drive safe.

It depends. If it was your basketball hoop that fell on someone else's car, yes. The insurance company should cover damages to someone else's vehicle while it was on your property if an "act of God" caused damage. If it's your vehicle on your property or even if you're renting the property, sorry. you're out of luck.

Double check with your insurance agent, but I think you can. I believe you can add ANY licensed driver to your policy, although it may cost more. (Businesses, for example, frequently insure a lot of different people as drivers.) In some states you can also get an insurance policy that will cover anyone who drives your car, as long as they have a license. It just costs extra.

Yes, liability pays for damage you cause to other people, regardless if those people are pedestrians or passengers in another vehicle. If the skateboarder has car insurance then there is also a good chance that the skater carries a coverage on his own insurance called medical payments. This is coverage on your car insurance that can be used for your own injuries as a pedestrian.

No, because you were not driving.

No, they are not old enough to sign a contract such as an insurance policy. They will require an adult to obtain the policy for them.

No because 18 is the legal age of adulthood. I got licensed when I was 18 and was still living at home and I still got my own insurance policy. If they are going to drive your car on a regular basis, you should list all licensed drivers on the policy.

Medical bills for yourself and anyone else in the car in the case of an accident- apex

economic only

Property damage and liability coverage are two different things and provide different coverages entirely. Property damage coverage on an auto policy covers the named insured on the policy. The named insured must be the owner of the vehicle as you cannot insure a vehicle you don't own. Generally insurance companies allow immediate family members who reside in the home to be included on the policy as long as they are listed as drivers on the policy. If the vehicle belongs to someone not the named insured then the coverage is void. If the driver of the vehicle is not listed as a driver on the policy this would also be material misrepresentation and the policy would be void.

If you want to still have comprehensive or collision coverage, a lower deductible is better. You should make sure the value of your car is more than your deductible otherwise paying for this coverage is useless.

In automobile insurance, collision coverage provides for repairing a vehicle when it is damaged due to the fault of the insured. Liability insurance provides for cost of repair of the OTHER vehicle if you damaged it.

SCJ Insurance

Depending on the state laws in your state, you can receive a pricey ticket, have your drivers license revoked, have your car impounded, have your tag revoked, have your registration cancelled and these are just assuming you didn't get involved in an accident. If you were in an accident that's another long list.