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No one is automatically covered unless you ad them to the policy. If someone passes away with an active auto policy and a vehicle, the administrator of the estate will have the right and responsibility to take care of the policy. This person needs to contact the insurance agent and they can assist in taking care of any necessary changes that are needed. The name needs to be changed to the estate and if anyone is driving they need to be listed as drivers, and if it will be parked elsewhere the garaging address needs to be changed.

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Q: Are dependents covered on auto insurance of deceased insured parents?
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What is The different between insurer and insured?

The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.


What is the difference between insured and insurer?

The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.


What is a person covered by an insurance policy?

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only if there is no beneficiary named on the policy, or if the beneficiary(ies) deceased before the insured.


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A life insurance policy can go a long way toward helping dependents who have experienced the death of a loved one. If the breadwinner of the family dies, his dependents can be left with nowhere to turn. If he has a life insurance policy, however, then his dependents will have a safety net until they can fend for themselves.


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