No. The check must be endorsed by whomever the check is made out to. This will be the insured on the policy. If the spouse was not the named insured on the policy then she cannot legally endorse the check unless he gives her power of attorney or if he is deceased and she is designated as administrator of the estate by the court.
If the life insurance policy had listed as the beneficiary the spouse only then it is not considered part of the estate and is not subject to claims. If the beneficiary is the estate then it is subject to claims. The only problem with the spouse being the only beneficiary is if she was a party to the claims personally then perhaps she and the proceeds from the life insurance could be subject to these claims.
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
In any state, as soon as the divorce was legally final, the ex-wife does not qualify to be covered by the ex-husband's plan as a spouse. She could continue on the plan under COBRA for 36 months.
Car insurance, depending on the policy, will pay for car repairs in an accident only. However, if you are looking for insurance that takes care of basic maintenance fixes, those policies are rare and end up being costly in the long-run. In some cases, some repair shops do offer financing plans for repairs or any services, which could be helpful if you need assistance in paying for repairs.
Yes, alternatively you could pay for the repairs yourself.
If a spouse's health insurance is terminated, they may lose access to medical coverage and have to find alternative insurance options, such as through their employer or through a private plan. This could result in higher out-of-pocket costs for medical care and potential financial strain.
Under a group health plan (that is, the insurance is through an employer), the employee could take his/her spouse off of the plan. No signature would be needed from the spouse. The spouse would get a notice about continuing coverage through COBRA. At that point, the spouse could pursue being re-instated to the group plan. Under an individual health plan (bought without an employer), it would depend upon who the primary policyholder was. If the husband is the primary policyholder, he could possibly drop the wife. Again, the notice of COBRA rights would be sent. For more plain and simple answers to health insurance questions, visit Health Unsurance blog.
If you don't use your insurance money to fix your roof, you may be at risk of further damage to your property and your insurance coverage could be affected in the future. It's important to address repairs promptly to maintain the integrity of your home and comply with your insurance policy.
You don't have to repair the damage, you could just pocket the money and drive around a busted up car.
It could be, especially if the person with the revoked license is involved in an accident because he cannot legally drive a vehicle and she committed insurance fraud by not telling her insurance company the spouse was in the household.
Consider saving the leftover money from your home insurance claim for future emergencies or home repairs. Alternatively, you could invest it in a savings account or use it to upgrade or improve your home.
their husbands, their husbands could do anthing to them basically and if they were not to obey they would be beaten.