Just call up your insurance company/agent, and tell them that you request his name to be removed from your policy. They will then issue you a new policy w/ id cards.
Some insurance companies require that the 18 year old has acquired auto insurance elsewhere before removing them from the parent's policy. This may prove difficult for the parent who may be forced by the insurance company to carry auto insurance on their child indefinitely until such a time when insurance can be obtained.
An insurance company is responsible to pay a claim up to the limits of the policy regardless of when the claim occurred if it is turned in during the policy period effective dates
No. but it could lead to a lien being filed later if you are found liable and you don't have coverage under your home insurance policy.
The answer is in the negative. You are to opt for separate life policies for your five family members to cater their needs.
Begin by reading the "Exclusions" portion of your insurance policy. If this procedure is excluded there is little you can do. If, however, this procedure is listed in the "Covered Services" portion of your policy the procedure will be covered if it is medically necessary. This may require you and your doctor to submit an appeal if the initial authorization was turned down.
Yes. It is a guaranteed issue policy so therefor you cannot be turned down. Also depending on the condition you may be able to still obtain a regular fully underwritten policy. You should speak with a knowledgeable broker that handles both rather than just blindly applying for insurance.
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Being billed for medical services has nothing to do with insurance coverage, your parents or your own. Whether it is legal and appropriate to bill you would depend if you are an adult, if you signed the authorization form taking responsibility for the bill, and whether this was a workers compensation claim. If you are of age, you received treatment (not the insurance comapny) and are responsible for the bill. If you are not of age, your parents have legal responsibility to pay. Medical providers file insurance claims as a courtesy. If your insurance policy, or your parents', does not pay, you will have to. The debt would be turned over to a collection agency and would be reported on your credit report. It depends, if you had full coverage. Then NO, you are not responsible call you insurance and request a claim form follow the instructions on the form and submitt it, they should cover you medical bills.
Yes it is possible that under certain conditions you could have some taxable income from the Life insurance proceeds. Life insurance proceeds paid to you because of the death of the insured person are not taxable unless the policy was turned over to you for a price. Go to the IRS gov web site and use the search box for publication 525
There are many companies out there that sell Malpractice coverage. You just have to check with another insurance company.
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