In Texas all drivers living in the household must be listed or excluded.
No. The injured party cannot be a household member. It does not matter if they are not listed on the policy.
yes
no they don't
Your child can be covered under both your & the mother's insurance even if he/she doesn't live with you.
Only if you added this person to your policy, otherwise he/she is not covered. Usually, the insurance agent will ask if there is anyone living in your household that would be driving your vehicle. At that point you can add this person to your policy or sign a waiver stating he/she will not be using your vehicle.
Yes, so long as they are living together. If they are a household, then the two can have a combined auto insurance policy. Check with your agent for the specifics from your insurance carrier.
It depends on the specific health insurance plan your mother has. If she has what is known as "Long-Term Care Insurance" then yes, the costs of assisted living will be covered by the insurance. You should contact her insurance provider for more details about her specific situation.
Good question! I know when I was in college and high school my parents owned our cars but I always had one at school that I drove. To make certain you can, call or e-mail your prospective insurers and ask the question. Also, if they say that you would be covered, get it in writing and make sure that you are one of the covered drivers on the policy. Usually a policy will either specify who is covered by name in the policy, or they will cover all persons living in the household so if someone borrows the vehicle they are covered under the owner's policy. Good luck with your search and compare quotes. It may help save you some money. Don't rely on what you think is covered, get it first hand from the insurance company and get it in writing to protect yourself.
Yes. Any member of the household would need to be listed on the policy.
No
If they are listed on your policy then they should be covered. Most insurance companies have a setting that is designated as "away at school" and is a lesser rate. If they are no longer a resident or a dependent, then they should be covered if they borrowed your vehicle as coverage is afforded for drivers that you loan your vehicle to.