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How does the health care reform affect a 24-year-old who 2 months ago was kicked off their parents' health insurance and is currently uninsured?
Wiki User
∙ 14y ago
Although most of the provisions of this law are not scheduled to go into effect until well after the next Presidential election (lLeaving not opportunity to see the law in effect before that election), insurance companies will be required by September to begin offering dependent coverage to age 26 years.
You may want to investigate the laws of the relevant state. Some states require that dependent coverage be available until age 26 or older. If the state of permanent residence is the same both for the parents and for the 24-year-old, then state law will apply.
Wiki User
∙ 14y ago
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Is it illegal to keep children uninsured?
There is no law directing parents to provide health insurance for their children. It is the law that a child of legal driving age have auto insurance if he is going to be driving his own or his parent's car.
How much does it cost to get insurance in Florida for an uninsured motorist?
Your best bet is to try and get a policy under your parents plan. This will give you discounts that you may not get otherwise when starting out on your own. If that is not an option, you should go to an insurance broker.
If teenager isn't on insurance are they covered by parents policy?
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.
Is a learner permit driver covered under his parents insurance if he is driving alone and gets in an accident?
No. He will get a ticket. His parents will have to pay all the expenses related to the accident. The parent's insurance probably won't pay anything unless it is covered under uninsured motorists section. I don't know about that.
Can you be covered by your parents' policy if you are over 18 live with your parents out of high school and the car is registered in your name?
Yes, I have two children over 18 and under 25 who are currently on my insurance. You must go to their insurance company and give them your name etc and they will tell you how much more it is. Beware, if your parents insurance lapses or is canx, you will not have insurance either.
Uninsured child borrows parents car that is insured and child has a wreck does insurance company have to pay out?
As long as he had permission, then yes. If you are going to try to claim that he/she didn't have permission, that's a whole other story.
Is there an age limit for applying for Blue Cross and Blue Shield Insurance?
Currently there is no age limit to apply for Blue Cross Blue Shield Insurance. There are age limits for minors who are still on their parents insurance.
If a 15 year old unlicensed minor learning to drive with an uninsured adult has an accident who is liable the parents of the minor or the uninsured driving instructor?
The owner of the vehicle is usually held liable.
If an uninsured driver with just a learner's permit is involved in a fatal car accident can the uninsured driver's parent's insurance be filed against?
Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.
I wish to buy travel insurance for my elderly parents, and was wondering if your insurance agency sells travel insurance to senior citizens?
Most insurance agencies offer discounts for the elderly, and this insurance works no matter the state you're currently in. Check with your insurance company before you leave to make sure you're covered under your current policy.
Can you put life insurance on your parents?
If they are elderly parents, Yes. But if you are under 40 you cannot put life insurance on your parents.
What if you are a licensed minor driving your parents uninsured car and get into an accident where you were at fault should the judgment be placed on the minor or the parents?
You should get in trouble because you caused the accident.
