Can a child of divorced parents be covered under both parents' insurance plans and if so does this need to be disclosed to the insurance companies?
You only need to disclose it if they ask you. Which I'm sure they will on a claim form. You can't collect twice. Just up to the amount of the total bill. There are "supplemental" plans or individual plans that would pay twice.
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Does a 15 and a half year old with a learners permit need his own insurance policy or is he covered under the parents policy?
He is covered under his parents' policy until he gets his own car and license.
Do you need to pay for car insurance if you are just using your parents car or does theirs cover you?
You would have to be added to your parents policy as a driver, and you will be subject to premium increases if you are a younger driver because insurance trends show younger drivers to be a higher risk than others. Sean IL Licensed Ins Producer
If you are a minor in need of car insurance do you have to be under a parent or guardian's insurance plan to drive?
As long as you hold a valid drivers license, you usually can obtain motor vehicle insurance as long as meet the insurance companies underwriting requirements, such as no tickes, no accidents, no suspensions, and do not ow any insurance company money. If you are young, usually the premium is high. Th…e idea behind letting a minor enter in to a insurance contract is one of the few contracts a minor can enter in. Because if you have a license to drive, you need insurance. ( Full Answer )
You will have to add him to your insurance. He will be under your name and your premium will go up! if you don't do this the insurance company may look the the DMV to see how many licenses are registered under your home address, then they will call and ask if he is insured. so it's better to just go… and tell them to add him to your policy. ( Full Answer )
As far as I know, in most states the significant other would haveto legally adopt, or become the legal gardian of the child inquestion in order for that child to be classified as "dependant" onthe significant other. Your significant other cannot approvemedical procedures for the child, thus they can…not offer insuranceon said procedures. The short answer is no. Unless that significant other was thespouse, he could not extend coverage to the child. In my case, I am the noncustodial parent & was order to carrymedical coverage for my son. When I got married my wife was able toput my son on her insurance plan as well. ANSWER I have my stepdaughter on my health insurance. My insurance companyallows it for children that live with us. The insurance would alsocover children that don't live with us but he is court mandated toprovide insurance for them. ANSWER Also note that certain states have a "Domestic Partner" legalstatus, which will often allow a person's Domestic Partner toinclude both adults and any children in the household (regardlessof legal custody) to be covered under a family policy. DomesticPartnerships were commonly (but not exclusively) used by gaycouples in places where same-sex marriage was illegal. ( Full Answer )
If divorced parents both carry insurance and father's is primary can the mother file hers as primary?
Just file and when the question asks about other coverage - answer it honestly. I see so many questions on this site about primary - secondary and don't understand all the confusion. Just fill out the forms and wait for payment. I've search all over the Insurance Code http://www.leginfo.ca.gov/cgi…-bin/calawquery?codesection=ins&codebody=&hits=20 and Westlaw and haven't found the rules on which company is primary, other than Medicare in groups of over 20. I've been in the business 20+ years and haven't found it to be a real issue. The birthday rule applies here. If the fathers month and day of birth falls before the mothers than he will pay as primary. If the mother submits a claim and the insurance company pays as primary and it turns out that they were not, the will and can ask for that money back, up to and including the involvement of a collection agency. Most insurance companies have an automatic system that automatically flags a dependant that may have the possibility of other coverage. ( Full Answer )
Whose insurance covers you if you drive a friend's car but only have a learners permit and your parents have the same insurance company?
Answer . \nI hope you're asking this before you need to know, not after.In most cases the insurance is on the car, not the driver, so it would be the car owner's insurance. Generally, the insurance will cover someone driving with the owner's permission, but there could be an exclusion for someone… with a learner's permit. You and your friend should know before you drive the car.. Answer . \nIf we have a driver's license and covered under an insurance company for our car, can we still drive a friends car which is covered under a different insurance company. And which company will cover the car in this scenario. ( Full Answer )
When a noncustodial parent is ordered to pay unreimbursed medical expenses and both parents have insurance coverage for the child how can you prove the custodial parent has coverage when she denies it?
Answer . \nThe attorney representing the non-custodial parent can serve the custodial parent with a interogatory summons requesting proof of insurance or the lack thereof. If the parent wishing such information does not have legal representation, he or she may wish to contact the clerk of the cir…cuit court in the county where the action is to take place for information. Please be advised court clerks cannot give legal advice nor comment on individual cases, they can only impart general information concerning court procedures. ( Full Answer )
If divorced parents live in different states can the non-custodial parent transfer the child to his health insurance policy?
\n. \n Non-Custodial Parent Insuring Child \n. \nIt is a choice between both parents regardless of who has custody.
The parent who was born first in the year. In other words if the mom was born in June and the father was born in July, then the primary insurance would be covered by the mother. This also applies to both parents being born in the same month. Whoever was born first is the primary holder of the insura…nce. ( Full Answer )
How long can a parent insure a child Can a child be insured by a parent after they are of legal age and not in school Example can your parents insure you 22 years old under their auto policy?
Answer . \nim 17 years old...the answer is yes pending on if you have a permit if you have a licence and what state the answer is still yes though i dont advise it
\n. \n Answer \n. \nLiability insurance usually follows the vehicle not the driver. (unless the driver was specificly excluded in this case it cant happen because he's your son). As long as the car was insured and he was given premission to drive it, the insurance will be valid in court\n. \…n . \n Not necessarily.\n. \nInsurance coverage varies greatly when it pertains to minors living in the household of the insured.\n. \nIf one is lucky enough for it to apply you may be certain that premiums will significantly increase. ( Full Answer )
If you are a first time car buyer but are covered under your parents policy for their car will you need to purchase new insurance before you pick up the car?
Answer . every car has to be insured separately, so the new car has to have its own insurance on it.
How is the primary policy for health insurance determined when a child is covered under both divorced parents' policies?
\n. \n Answer \n. \nI would say use both insurance's because neither of them pay 100%. Use one insurance for primary and let the other insurance pick up what the other one doesn't pay. Kind of like a supplemental insurance.\n. \n Answer \n. \nAbsolutely use both. If you get to make the …determination then choose as primary the one with the greatest benefit. Don't be surprised however if each wants to claim that the other is primary. What it may come down to in that situation is the one that was in place first will likely be considered primary. ( Full Answer )
Can a parent take life insurance out on another parent if they are divorced and have children together?
Probably, but you would need the cooperation of the other person to do so. Might not be a bad idea if you are the parent depending on child support. Just go with term insurance for the period of time when the children are minors.
In order for your child to have insurance coverage, your child would need to be listed as a covered person on the policy, and a premium would need to have been collected for the child. Even if both parents are insured, if your child isn't on the policy and has not been considered as a portion of the… premium, then there is no coverage. ( Full Answer )
Emancipation laws differ from state to state, or even at a county basis. Only about half the states allow it to happen. And if you do, you have to show that you can support yourself and not be dependant on your parents or the state for your welfare. So you should have good grades, a good paying job,… a safe place to live and the ability to cover emergencies such as health care and vehicles. Then a court may allow you to be emancipated. Yes, it does cost money to file the paper work. And the court will take the wishes of the parents into consideration. ( Full Answer )
My wife got into an accident in her car and insurance policy under both of us can the insurance company come after me for additional money if my insurance company does not cover all damage?
Answer . If the automobile policy contract is in both names (husband and wife) then the insurance company will look to both of you for compensation of any losses that are not covered under your own policy.
Can a hospital come after a non-custodial parent for expenses not covered by insurance if the custodial parent admitted the child to the hospital without consulting the non-custodial parent?
You share the parenthood of the child and so you also share expenses. It is not in any way practical for you to second guess treatments you will and will not pay for. The custodial parent has the decision making power, and even if you don't share their vision, it is best for the child not to get cau…ght in the middle of a fight about expenses. Alternatively, you could put your child on your insurance, so there is a secondary source for payment. Kids are just expensive any way you go about it. For the future, you may cultivate a reasonable talking relationship with the other parent, who may consult you if they know they are not going to be caught in a confrontation in a time of emergency. If the hospital comes to you for the payment and you have already paid your required share, you may be forced to sue your ex to recover the money. ( Full Answer )
As from my experience most health insurance companies will provide coverage for unmarried children under age of 19 who are primary's applicant dependents.. A child will continue to be eligible until his/her 24 th birthday when attends college or has a permanent or continuing mental or physical imp…airment. ( Full Answer )
If parents of a student that needs a loan cosigner are divorced can both parents be used as cosigners so that one is not solely responsible in the event of default?
Yes you can, BUT, each party will be jointly AND seperately responsible. By that I mean that if for some reason one co-signer cannot pay their share, the other co-signer will be TOTALLY responsible.
If the teenage age is 19 and not a full time student - NO - if under 19 years old or a full time student under the age of 23 maybe 26 - solely dependent on parents then in most cases YES.
Answer . Assuming the teen is covered under the policy before she gets pregnant and the plan does not exclude pregnancy for all then yes.
I believe it is until 18 years of age, unless the child is a full-time student.
A minor is legally forbidden from moving out of their parent's home without parental consent or minor emancipation by a court judge. The answer is no, anyway. You should just wait the year (or less) to turn 18 and move out.
No. Auto-Owners is the parent company of Owners Insurance, Southern-Owners Insurance, Property Owners Insurance, Home-Owners Insurance, Auto-Owners Life Insurance. They have no affliation with Utica
Yes. It costs more if they are old or in bad health. If they die within two years you only get the amount you've paid.
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.
Perhaps, if the parent is a bona fide dependent of yours. Do you claim the parent as such on your taxes?. Best to check with the insurance carrier and your particular plan's exclusions, etc.. No, Only the following family sizes are allowed. (A) One adult (B) One adult and any children (C) Two adul…ts,and (D) Two adults and any children. I am not aware of any states that allow parents, even disabled ones, on an employees certificate of coverage. ( Full Answer )
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy.. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that.. It is also illegal to operate that vehicle on publi…c roads without proof of financial responsibility.. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle.. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents. ( Full Answer )
If your brother had a child at 1 he lost his parental rights and the child got adopted he was divorced but the ex-wife is still as a beneficiary who gets the insurance money ex-wife or parents?
I'm not totally sure what you are asking but it sounds like the child died. If the child died and the child was insured, the money will go to the beneficiary listed on the policy. If your brother surrendered parental rights, this child is no longer his, so I seriously doubt he has any claim whatso…ever. ( Full Answer )
Is it possible to have a car in your name and have it under your parents insurance plan with you as a driver with out the car being owned by your parents?
If you are in the UK, then yes, this is fine.. A few years ago this used to work out cheaper for getting an insurance quote, but the insurance companies have caught onto this, and the quote you get will be pretty much the same as if you were to insure in your own name.. Anyone can own a car, and a…nyone can be insured on a car.. In my opinion, it would be best to insure it in your own name, and start to build up a no-claims discount. ( Full Answer )
Because they are not being charged on specific procedures. Under a capitated plan a flat fee is paid to the physician no matter how many times a patient receives treatment.
As both are willing to pay for the child's i nsurance , they can take two different schemes one for each of them.
Does the non-custodial parent need to have insurance on the child when paying child support in Texas?
Yes, if it is so ordered in the child support agreement. If the parent loses their insurance and the custodial parent has the ability to insure the child - it will be possible for the state to order the custodial parent to do so. This may change the amount of support the non custodial parent pays - …it is entirely up to the whim of the courts. ( Full Answer )
You have the option to add your teen to your auto insurance policy, or you can buy a "stand alone" policy from an agency that specializes in providing insurance for teens. Companies that provide car insurance for teens only place certain restrictions and requirements on teens' driving habits, such a…s attending driving school and not driving after dark, which allows them to keep rates down. ( Full Answer )
Its your choice specifically it would be better in my opinion but their are others who want to have their own insurance.
It's not considered a require item in the support of a child. Having a car is neither a necessity or right of a child.
No. Unless you had the teenager on your policy, but at the same time you knew that the teenager was unlicensed! So, get the teenager licensed and put him on your ins. policy and then teach him how to driver safely and not crash.
If a divorced parent has better insurance than the other is it illegal for the other not to disclose this information to the medical providers?
The medical providers themselves don't enter into the equation. As part of the divorce settlement the court awarded the primary custody of the child(ren) to the parent it was thought to be the best one to have primary custody. The divorce/and child support agreement should have addressed the questio…n of the decision on medical providers (and payments) for the dependent child(ren). If this is a question that has arisen over the equity of medical payments by one parent over the other, it should be brought back to court and addressed as either a 'contempt of court order' matter or as a motion to re-frame the child support agreement. ( Full Answer )
Well, according to my Civics teacher (since we are talking about the Health Care Bill Reform so much now) it is supposedly 26 years of age.
It should be specified in the final decree. If it isn't , neither one of you had a very alert lawyer.You will have to go back to court.
No, only one parent can claim a child as a dependent in any given tax year. Whoever the child stayed with more gets to claim them. In a 365-day tax year, the parent who had the child for at least 183 days get to claim them. If the child stayed with both parents exactly 50% of the time, whoever the c…hild is staying with on tax day (April 18th in 2011) gets to claim them. ( Full Answer )
Yes. Each state handles insurance differently so you might want to just make sure with someone in your state. The easiest way to explain car insurance to prersons without any insurnace trainin is this. Insurance follows the car. If you insure the car then who ever drives the car the damage is insure…d. Now if someone steals your car or uses your car without permission that is a different story. The insurance will pay to fix your car but will not pay for any damage caused by the unauthozied user of the car. The insurance company should be advised that your have a young son or daughter who is starting to drive to have their named added as a driver to your policy. Insurance companies like to know who the primary driver is for each vehicle you own. They also like to know how the car is used and how many miles it is driven each day for work or school. The rate you pay is based on who the driver is, what the car is, and how it is used. If the driver is risk ( lots of tickets and very young) if the car is expensive and sporty (corvette) and it is used to commute into New York City each morning you will pay a lot of money to insure that car. If the driver is a 40 year old man with no tickets living out in the country and the car is a old pickup truck and he uses it to go from the farm to the grocery store once a week the insurance will be inexpensive. Make sure you call your agent and get the child's name added to the list of drivers who may be driving the cars you have on your policy. ( Full Answer )
When does the non-custodial parent's medical insurance coverage stop for a child of divorced parents?
It would depend on why it stopped. If the non-custodial parent lost his or her job and their medical insurance along with it, the courts may not expect the unemployed parent to maintain medical insurance if doing so would be financially impossible. However, child support would continue as all states… allow unemployment benefits to be garnished for that purpose. If the non-custodial parent is unemployed, it's doubtful the remaining unemployment benefits would be enough to purchase medical insurance for the child, but if the custodial parent wanted to push it, he or she could file an action against the non-custodial parent for enforcement, but you can't get blood from a turnip. All that may result is the non-custodial parent going to jail making it impossible for them to seek work and harder to find a job with an arrest record after they get out. It would be easier to see if the child qualified for Medicaid and used that until the custodial parent found another job and could put the child on the new insurance plan. If the insurance was dropped "just because", in that case, the custodial parent should file notification of violation or a motion for enforcement in the court with jurisdiction over the child. Answer It would depend on the laws in effect at the time (regarding to what age a child can be covered on a parents medical insurance), the separation agreement if any and any child support orders in effect. You should review all the court orders in your file and speak with an advocate at the court or an attorney if you still have questions. ( Full Answer )
When is the non custodials responsibility for medical insurance coverage stop for a child of divorced parents?
Usually when the support obligation stops unless the custody or support order states something to the contrary.
Does a parent have to cover a child on insurance until they are 18 even if they have graduated high school?
Yes. Because a child under the age of 18 is not allowed to enter into any type of contract. Getting their own insurance would qualify as a binding contract.
The one who has custody of the child. If the child stays at the other parents home part of the time and drives their vehicles then the child must also be listed as a driver on that parents policy.
No one is automatically covered unless you ad them to the policy. If someone passes away with an active auto policy and a vehicle, the administrator of the estate will have the right and responsibility to take care of the policy. This person needs to contact the insurance agent and they can assist i…n taking care of any necessary changes that are needed. The name needs to be changed to the estate and if anyone is driving they need to be listed as drivers, and if it will be parked elsewhere the garaging address needs to be changed. ( Full Answer )
This will depend on the kind of health insurance your parents have. Some health insurance may cover pregnancy while others do not. You will need to contact your insurance agent and ask them about your family coverage.You should also have a insurance booklet that states what treatments and doctor vis…its are covered and what is not covered. ( Full Answer )