I'd love to hear an answer as well. The wife won't listen to me when I say we are stupid for paying for 2 separate policies.
Actually the odds could be 100% if the woman's husband owned three different life insurance policies naming her as the primary beneficiary for each of the policies. Or, perhaps her parents each owned life insurance policies, as well, and named her as the primary beneficiary.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
The husbands own insurance would be primary, and his wife's would be secondary.
Yes, you can get separate car insurance if you wish. You do not have to have car insurance with your husband.
If you are covered under your husband's plan and he is working, his plan is primary to Medicare. If you are not covered under your husband's plan, Medicare is primary.
That depends on how the policies are written. Some policies state that when there are two dental insurances, the employee is primary and the dependent is secondary. Other policies state that the person whose birthday falls first in the year is primary. Your best option is to either discuss this issue with your Human Resources department at work or discuss it with the individual who handles insurance claims at your dentist's office. ***Birthday rule only applies to covered children of a married or cohabiting couple. If the parents live in separate households, custody rule or divorce decrees override the birthday rule. The policyholder will be the primary carrier if both policies are full-time employment policies. If one of the policies is retirement coverage, the retirement coverage would be secondary. In your case, your insurance is primary for you and your husband's insurance is primary for him.
That is what we call fraud!
Your husband must be on your policy to be covered. In some States you have to ad your spouse to the policy regardless if they will drive your vehicle or not.
To find out how many life insurance policies your husband had, start by checking his personal documents, including financial records and any insurance paperwork he may have kept. You can also contact his employer to inquire about any group life insurance policies. If you're still unsure, consider reaching out to state insurance departments, which may help locate policies through their unclaimed property divisions. Additionally, checking with major insurance companies where he may have had policies could yield results.
If you both have coverage the wife's policy will be primary, and the husband's will be secondary - provided the wife is covered under the husband's policy. Submit the unpaid claims to the secondary carrier.
Yes, as long as he does not drive the vehicle.