Is my adult child living at home covered under my auto insurance policy?
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.
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…
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…
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?
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…
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…
How do you determine primary and secondary coverage for an adult patient covered by two full benefit polices?
Can you add someone elses car to your insurance policy if they are on the title and it is registered to them?
No. Absolutely not. You cannot insure a vehicle that you do not own. The only exemption of this is if the owner and insured are married and live together or a dependent child living at home. Most companies want an adult child to have their own insurance policy even if they live with you. Call your agent and ask to be sure.
No, such as 'roomates' and adult non-relatives. Refer to page one of your actual policy; Definitions. An insured means you and residents of your household who are; a. your relatives or b. other persons under age 21 in care of any person named above Maybe this depends on your policy. The policies I've seen in California covered people with fire damage like this: If you have a room mate that is actually paying rent, then…
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?
He could be if he's a full time student, but check with the terms of your plan. Unfortunately, unless he's a full time student under a certain age, he probably isn't eligible. And remember that just because he's eligible doesn't mean you elected to cover him in your enrollment. Check with your plan administrator.
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?
Your unisured daughter who is 20 and not living homeincured a 1300 hospital bill Are you responsible?
Does the parent of an 18-year-old have to carry medical insurance on an adult child who is a full time student and living in the household?
No the parent is not bound to carry the medical insurance for an adult child unless they want to put them on the policy and if the insurance company even allows that. Most do if they are full time students. If you choose to do this, have the 18 yr. old kick in the difference for putting them on the policy and any copays when they visit the doctor. Where else could a 18yr. college…
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?
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 you liable for any unpaid copay charges on your 18.5 yr old stepson who lives with his girlfriend?
If you live in a state where an 18 year old is a legal adult then that adult is legally responsible for himself or herself. He or she is responsible for his own debts and liabilities. You are not liable for co-pays on his medical bills. If you are covering your adult child on your health insurance you are responsible to pay the premiums. If you choose not to cover your adult child on your…
Most medical policies require that an adult dependant (over 18 years old) can only remain on the parents' policy if they are a full-time student under a certain age (specified by the policy, perhaps 21 or 25). Proof of student status may only be required once a year, at time of renewal. Therefore, the ex-student may have some time before their coverage lapses.
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.
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 an adult sibling drives your car without insurance will your insurance still cover the auto if there is an accident?
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.
How do you determine primary and secondary coverage for an adult patient covered by two full benefit commercial polices?
almost all companies require a valid drivers license. with this said a learners permit is not. it is the assumption of the guardian that must provide insurance coverage to a dependent. if the person seeking insurance coverage is an adult with no option of being covered by a household policy. The person must gain the experience through classes and must obtain a legal valid operators license before insurance can be placed. If the person does…
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.