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If you live in the house with your mom and you are a licensed driver and do not have your own car with separate insurance, she is required to list you on her policy, at least in every state where I have lived. When you show the insurance card, they will not call your mom, she should have already paid for you. If you do not live with her, it depends on state regulations.

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Q: You are covered under your moms insurance but if you use her insurance card to purchase medicine without her present will they call her to confirm anything or will is show under her insurance bill?
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