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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.

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โˆ™ 2007-12-05 02:34:29
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Nutrition

23 cards

If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

How many grams of cholesterol should you eat each day to maintain a healthy diet

What would cause a fluttering inside the ear canal

Why is beef fat a solid at room temperature

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Q: Is my adult child living at home covered under my auto insurance policy?
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Related questions

Is the guarantor and subscriber the same?

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. Example of when they are a different person: Adult 1 (father) carries a family insurance policy (subscriber). Adult 2 (son, a college student) is covered under Adult 1's policy. Adult 2 is responsible for their share of cost (such as copays and coinsurance or anything that isn't covered under the insurance policy).


Can a 19year old be covered on parents health insurance?

It depends on the wording of the policy, but if the policy was a family policy it would not normally cover adult children (normally those 18 or over would be adult) and thus it is unlikely that a 19year old would be covered. The 19year old would need separate health insurance cover of his/her own.


Are there health insurance companies that will allow adult developmentally disabled children to be covered by the parents' policy?

All of them.... see link


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?

Yes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.


If you purchase life insurance policy on your adult child naming myself as beneficiary can adult child change beneficiary?

The purchaser of an insurance policy names the beneficiary.


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 any other adult) who does not live with you to your auto insurance policy.


I am an adult living at home with my Dad in MN. Can my Dad add me and my vehicle to his insurance policy even though the vehicle is only registered to me?

Most likely, yes. Check with your insurance agent to be sure.


Can a sixteen year old get insurance on their own?

No, they are not old enough to sign a contract such as an insurance policy. They will require an adult to obtain the policy for them.


Do insurance companies cover adult circumcisions?

No, since there is no medical necessity of circumcision it is often not covered by insurance.


Married at 16 does parents insurance still cover?

Once you're married, you're legally considered an emancipated adult and would not be covered by your parents' insurance. You would be covered by your spouse's insurance.


Can a minor child have their own insurance policy?

A parent or other adult can purchase insurance for a minor. A minor might not be able to make the payments on a policy.


If you are riding in a car and an adult is driving are you covered by insurance in case of an accident?

Only if the car you are riding in has insurance coverage.


What is a dependent of an insurance subscriber?

The spouse, the children, and any covered adult dependent.


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 be stuck with funeral expenses that they could not afford to pay unless they had an insurance policy to help them.


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, your policy would be the primary and her policy would be secondary.


Do you have to be eighteen in order to get car insurance?

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.


Can a sister hold a secret life insurance policy on an adult brother?

No. As there is no insurable interest between brother & sister it is not possible to take a policy on an adult brother by his sister.


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.


What is the parent's responsibility for medical bills for adult children that are on the parents insurance policy?

If the child is over age 18, then the parent is not responsible for the child's medical bills. The child is legally responsible for anything that the insurance policy did not pay.


Can your dad cash out your life insurance without your permission?

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.


Can a deceased dad's insurance policy be contested by an adult child when step mom has been named sole beneficiary?

A life insurance policy is a legal contract and is binding. Therefor unless there is fraud, there is nothing to contest.


Do you have to be the owner of a car to get auto 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 the insurance policy of the parents.


How do you determine primary and secondary coverage for an adult patient covered by two full benefit polices?

Check this page for the answer http://www.steveshorr.com/law_relating_to_insurance.htm primary policy will be medicare&secondary will bethe patient's commercial insurance company.as medicare covers all.the remaining which is not allowable wiill be covered by secondary


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 student get that kind of privilege, no where else. Get it in writing, too from all parties..That is called covering your butt.


Is your adult child living at home covered under your health insurance policy?

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.