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I am wondering . . I pay for minimal car insurance twice a year and have NO accidents and NO tickets in 14 years, yet I get an increase EVERY payment? Are they allowed to do this?

I live in an apartment in a large private home for 10 years. I don't pay any rent (no lease, contracts etc.), but stay here in exchange for household duties such as grounds-keeping, snow removal, pool maintenance, house cleaning and various other tasks. Can the homeowner just kick me out any...

A friend is willing to lend me a vehicle (which is legal & registered) while mine is at mechanic's garage being fixed. I noticed that on his vehicle, the side view mirror on passenger side is missing. If stopped by police, would I be held responsible? Or is my friend responsible?