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Do a husband and wife have to be on each other's car insurance or can they each carry their own coverage with different companies?
Generally it is ok for you each to have your own policies but if either of you drive each other's vehicle more than occasionally, you should be listed as an occasional. As a Broker, I can suggest that you would save a good bit of money and hassle if you just both join one policy. There are discounts for multi-vehicle that you would be entitled to.
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What are some companies that offer maternity insurance?
Most of your main insurance companies such as Blue Cross Blue Shield as well as State Health Care have maternity coverage. Some vary as to rather or not they cover the pregnancy if you obtain the coverage after becoming pregnant.
Husband has hmo dental insurance and i have delta dental does this mean we have dual coverage?
It means you each have a different insurance company. If you had both HMO dental coverage and Delta Dental (and the veteran in me has to ask: "for God's sake, WHY Delta Dental?") active at the same time, that would be dual coverage.
How do you get insurance for a child that is your husband's stepson and is not your child but by marriage?
Insurance companies typically have specific rules about who they will and won't cover. You may find that a step son is eligible for insurance coverage if he is living with you. In this instance, the child does not appear to have a legal relationship with either you or your husband, so if you want to cover him you may need to buy an individual policy.
Husband has accident with my car and he's on the insurance exclusion list?
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
Can a wifes maternity expenses be covered by the husbands insurance if her insurance does not have coverage?
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.
When husband is working and his wife collects SSI can she still be covered under her husbands employee health insurance?
Yes! If she has a state-funded insurance also, the husband's coverage will be secondary.
Is there an auto insurance company in pa that will allow me to exclude my husband from my auto insurance policy?
I'm sure there are several auto insurance companies that will allow you to exclude your husband. You need to know what exactly this means. It means that if he drives one of the vehicles on your policy for any reason at all that there will be no coverage provided by your policy. In exchange for this exclusion you will not be charged anything based on his driving record. Remember that it makes no difference if you get back together for a weekend, if there is an emergency and he drives you to the hospital, if his car is torn up and you let him borrow it, there is no coverage until after the exclusion is lifted by the insurance company. You do not have the authority to lift it yourself, only the company can. If you still want to do this I recommend that you go see and independent insurance agent who represents many companies and let them search for the best rates and coverage of companies for what you want.
Can husband get insurance while wife is pregnant?
This may vary between companies. I write applications for BlueCross BlueShield of Florida, and neither the expectant mother nor expectant father is eligible for coverage until after the baby is born. Also, the baby itself needs to be six weeks old before it will be eligible for coverage. You can check with the different companies, but be upfront with the agent to save yourself the time of completing the application process only to be declined.
If a retiree enrolled in TRS-Care health insurance opted out for coverage under her husband's health insurance will she be able to re-enroll in TRS-Care at a later date if her husband retires?
jeanette bonnette
Does homeowners insurance cover medical bills for my husband that was hurt while fixing the house?
No. The medical payments to others coverage specifically excludes medical coverage for the named insureds and any houshold members. Health insurance is the only coverage that will cover this type of loss.
Will a pregnant fiance be covered by Blue Cross Blue Shield when married and added to husband's insurance?
If the fiancée has Blue Cross Blue Shield and the husband has the same, I am sure that they will allow her to be added to his insurance policy. If the pregnant fiancée uses a different insurance company, then she may or may not be allowed to be added to the husbands insurance policy. Again, this varies case to case because of the different policies different individuals have. For the most accurate information, please contact your insurance representative. The pregnancy would be a pre-existing condition, so many insurance companies would not cover the costs. You should call the insurance companies involved to get an official answer.
Can you be sued for wrongful death if your husband had a car accident and people were killed including him?
Absolutely, yes. Most likely the family of the other person(s) killed will try to go after your husband's auto insurance coverage and potentially some of your homeowner's insurance coverage. Just because your husband was killed doesn't end his potential liability (if any) in the crash.
