Does your ex husband have the right to claim on an insurance policy if child died in car accident child an adult?
if he's not on the policy as a beneficiery he can't. ADDED: It makes no difference if the child is an adult or a minor. If the policy is up-to-date (i.e.: all premiums paid and current) and your ex-husband is a named beneficiary on the policy then he does have beneficiary rights. It's as simple as that. On the other hand, if he was NOT specifically named on the policy, he has no claim whatsoever.
Can an 18-year-old covered under his parents' insurance policy be sued for an accident if his parents allowed the policy to lapse without his knowledge but he had given them his monthly payment?
Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?
As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident…
If an adult sibling drives your car without insurance will your insurance still cover the auto if there is an accident?
If you drive on a learners permit with an adult in the car and get in an accident will insurance pay for the damages?
What are the ramifications for a mother who lets her adult son drive her insured vehicle In other words how will it affect her if he is at fault in an accident which causes a great deal of damage?
typcially all insurance stays with the car...meaning whomever is driving your vehicle (with your permission, and subject to any exclusions your policy may have)....is insured under the policy if they have an at fault accident, it affects THAT VEHICLE policy regardless of who is driving...so the ramifications are your son has an accident that is his fault...your policy is subject to increase, non renewal etc.
Do you have to add an adult child to your insurance who does not live with you who is learning how to drive with a learners permit?
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…
What rights do you have over a life insurance policy taken out by your parents while you were an adult?
If your parents took out a life insurance policy and paid for it, the policy belongs to them and even if you are the person whose life is insured, that does not give you rights over that policy. I am not entirely sure why your parents would feel the need to have life insurance for their adult progeny, but possibly they are concerned that if you were to suffer a tragic premature death, they would…
It depends, but the terms are NOT interchangeable. The guarantor is the person or entity financially responsible for the bill. The subscriber is the person who carries the insurance. Example of when they are the same person: An adult carries their own insurance policy (subscriber). They are also financially responsible to pay the charges they incur for the doctor's visit (guarantor). Charges include non-covered services or share of cost such the deductible, copay, or co-insurance…
Yes. Normally you have to own a vehicle to insure it. You cannot purchase insurance on a vehicle that you do not own with a few exceptions. The exceptions deal with a family household situation. Vehicles titled to a husband or wife may be insured on the policy of either one and the same thing applies to children living in the home as a car titled in an adult child's name may be added to…
Can a deceased dad's insurance policy be contested by an adult child when step mom has been named sole beneficiary?
Your dad can withdraw the cash value of your life insurance policy if he is the policy owner of your policy. If you have obtained adulthood, you dad cannot withdraw the cash value of your life insurance policy without your consent. If you are minor life assured, your dad as proposer can draw cash value on maturity,provided you will not be adult then.
What is the parent's responsibility for medical bills for adult children that are on the parents insurance policy?
Can a 16 year old driver get his own auto insurance policy or must he be on his parents policy if he lives in the home with them?
If a young adult gets a ticket before being added to their parent's insurance will the parents insurance rate go up when the child is added?
If you normally drive a car belonging to your parents then you should be added to their insurance policy. Many policies now contain language that may allow the insurance company to deny coverage if a driver is not listed in order to obtain lower rates. I usually recommend that they title the car in your name once you reach eighteen and that you have your own insurance. This prevents the attorneys from suing them if…
Depends on your insurance provider. You'll have to contact your agent or the company through customer service to find out what your insurance policy covers. It'll also be on your policy if you have it. Some insurance policies automatically cover infrequent drivers, others only cover primary insured. If your child is a regular driver of the vehicle, you will need to add them to the insurance at additional cost.
In general, you need to be an adult, since an insurance policy is a contract- and a minor cannot make a contract. In the RARE case of an "emancipated minor", you might, In most cases, you will need to be 18. You may be carried as an additional driver on an adult's policy. Check with your insurance agent.
Are parents responsible for their adult child's medical bills if they aren't legally responsible for the child?
Do you need to carry auto insurance on your 18 year old if he has his own policy on his own vehicle in the state of NC?
If you drive on a learners permit without an adult in the car and get in an accident will insurance pay for the damages?
No, insurance will not pay if your parents have not placed you on the policy yet. You may also want to check your state laws. Having a 16-year-old daughter makes me a good source of info on this topic. Good luck to you. Actually, it depends on your carrier. Most parents add their children to their insurance when the kids get learners permits. Depending on your parents' policy, there may be an exclusion for not…
Is there a cutoff age for your son to add a car in his name to your insurance policy if he is NOT living with you and is 24?
Ther is no specific cutoff age. The question is This. Do you have a financial interest in insuring his vehicle or it's insurance?. If you have no financial interest in his auto insurance coverage, then legally you can not insure it. To understand "Financial Interest" in laymans terms ask yourself this question. If he has an accident what are my losses or what is my liability exposure. If the answer is none, Then you can…
That doesn't make sense. You may have misunderstood. The 16 year old driver would have to be listed on the policy as a driver. Most companies will not even allow a 16 year old to purchase insurance in their name because they are not a legal adult and an insurance application and policy make up a legal contract.
Most insurance companies will not sell a policy to a 17 year old. It is also not a good idea to have a vehicle titled in the name of the 17 year old. The reason for these are that an insurance policy is a legal contract and a person 17 years old is not a legal adult and therefore not able to sign a contract.
Can you be a beneficiary on a life insurance policy that you don't know about if you were a minor at the time the policy was purchased but are now of legal age to sign documents?
What happens if your 19 year old son who has a license gets into an accident and he's not insured on the parents policy?
If your 19 year old son gets into an accident but is not insured, typically he is the one responsible for the accident, as he is considered an adult. Depending on the circumstances, the owner of the car may also be considered liable for any costs resulting from the accident. The details of the law varies from place to place.
Generally, you may not take out insurance on just anyone else. An insurance company can deny a policy to someone if there is no "insurable interest", between them like a blood relation or certain types of business relations. Yes. It depends on if they are a minor or an adult. An adult you will need them to sign the application. If there is an "Insurable Interest" on a child (ie: parent, grandparent) then you can…
Most insurance companies require a person to be 18 years old in order to purchase automobile insurance. The reason for this is that the insurance application along with the policy make up a legal contract between the policyholder and the insurance company. A person who is not yet 18 is not a legal adult and therefore is not legally able to sign such a contract.