No, the child needs to drive the other car. No, the child needs to drive the other car.
In order for your child to have insurance coverage, your child would need to be listed as a covered person on the policy, and a premium would need to have been collected for the child. Even if both parents are insured, if your child isn't on the policy and has not been considered as a portion of the premium, then there is no coverage.
You will have to add him to your insurance. He will be under your name and your premium will go up! if you don't do this the insurance company may look the the DMV to see how many licenses are registered under your home address, then they will call and ask if he is insured. so it's better to just go and tell them to add him to your policy.
The one who has custody of the child. If the child stays at the other parents home part of the time and drives their vehicles then the child must also be listed as a driver on that parents policy.
The only benefit to having Child Only Health Insurance is that the child is insured. According to studies, children with child only health insurance were more likely to have had routine dental and health examinations in the past 2 years over those without insurance. The rates for children that had insured parents were even higher, suggesting that children that have an insured parent are more likely to have access to all the healthcare that they need. The study also suggested that families with the child only health care, may not know how to use it properly therefore, they don't use it enough.
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that. It is also illegal to operate that vehicle on public roads without proof of financial responsibility. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents.
As long as he had permission, then yes. If you are going to try to claim that he/she didn't have permission, that's a whole other story.
Assuming your car is insured any driver is normally considered an insured also. However, if this driver is a spouse, child or someone who regularly drives the car and the "driver" has a bad record and you don't want to pay the premiums, your insurer could deny the claim. Also the owner of the car is ultimately responsible lending your car out ruins friendships.
Absolutely; a step child is legitimately a member of a family and can be insured, or can be the beneficary of a family insurance policy, just like a biological child.
Yes, however the child should be listed on someones policy as a driver. If the child drives your vehicle with any frequency and is not listed on the other parents policy then I would highly recommend adding them to your policy and pay the extra premium.
If the child drives any of your vehicles, yes. If the vehicle is in the child's name, no.
You or your child can only get insurance if the real dad was insured and you or your child were listed as the beneficiary.
Yes, If a child owns the home, the legal gaurdian can purchase the coverage needed.