My step son took my the truck I own without permission, with a restricted license, and hit another car. Am I Liable?

Are you liable? Not yet anyway. And if the facts are as you state them, you probably won't be. Owning a vehicle that is involved in an accident is...

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Insurance companies do this because they presume that any licensed driver in a household will, at some point, operate the insured vehicles. Unless...

Is it possible to deposit - (say $100,000) with the State or Insurance Co. , for basic auto liability then buy excess liability?

This is a question that will need to be answered by an insurance agent/broker. Different insurance carriers have different policies as to how much...

The person who hit me with her car did not reveal she has an umbrella policy in court docs. I just found out..in Florida,.

Really hard to tell without more information. Failure to disclose information which is fairly responsive to a discovery request is a pretty serious...