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Can you add a step child to your insurance?

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2009-07-16 20:48:29
2009-07-16 20:48:29

Absolutely; a step child is legitimately a member of a family and can be insured, or can be the beneficary of a family insurance policy, just like a biological child.

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Related Questions


Call your insurance company and ask them for the forms you need or what the procedure is to add a child to your coverage.



If you add the child as a driver on the policy.


In medical insurance, the policy holder of the policy is not automatically the guarantor of a step child. To become the guarantor of the child a formal adoption should have taken place, or the child can be added to the policy.


Not necessary- you only add/exclude drivers


Yes. That is also what makes it legal for the step-parent to carry the step-child on their health insurance.


No. Step-children have no rights or interest regarding a step-parent's life insurance unless they are a named beneficiary on the policy. Step-children have no rights in a step-parents estate unless they are named in the step-parent's Will. In that case a step-parent can leave the proceeds of a life insurance policy to a step-child by their Last Will and Testament.


When you get married, and either spouse has children, those children can be added to the policy. If you have a family plan, step children can also be added to a medical insurance policy.



No, they will lose coverage as soon as the divorce is final. However, if there is a court order for support of the step child, there is a possibility that the step child could still be covered. Laws differ from state to state, so you should contact a local family lawyer.


This is a question best answered by your insurance agent or a call to your insurance company's 800 customer service phoneline.A bit more:Unless the insurance regulations have changed since I was a licensed auto and homeowners insurance agent: If your child is of legal adult age and not living with you, then no, you don't add him to your policy. Actually, many insurance companies wouldn't allow you to include an adult child (or any other adult) who does not live with you to your auto insurance policy.


just went through this....it depends on the age of the child...but mostly~Yes, you can.


No, they can get their own car and insurance.But if you want them to drive your car, yes they must be added as an additional driver.


Insurance companies typically have specific rules about who they will and won't cover. You may find that a step son is eligible for insurance coverage if he is living with you. In this instance, the child does not appear to have a legal relationship with either you or your husband, so if you want to cover him you may need to buy an individual policy.


No there is no surcharge on a hit and run accident but your deductible still stands. thanks for the question


Unfortunately, Yes. Call the company or your agent and see what you can do to add the child now.


No you can not marry your step child.


I doubt it. He/she is probably no longer in your household, which is generally the boundary of your policy.


If you have all the information you need to give the company it shouldn't take more than about a three minute phone call.


If the step-child is in college, you are still responsible for paying their medical bills. If they aren't a full time student, you may need to check with your insurance plan because most insurances will not cover a child over 18 unless they are full time students.


You need to ask your insurance company about that. http://www.firstacceptancecorp.com/ That is a great insurance company that will help give you step by step instructions.


As long as you are a legal guardian then he should be able to be added.


As long as your child does not have a vehicle with them ever when at school the many insurance companies allow for a large discount due to the fact that the child is not a regular driver. They are still a member of your household and should be on your policy in case they drive when at home or may drive when at home.


yes ,you can add driver's name in your insurance policy.


Yes, you can add your grandson to your car insurance policy. Speak to your insurance broker.



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