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If a child drives his parents car which is insured under the parent's name will he be covered?
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.
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If a child has insurance on one of the parents cars but drives the other parents car is she still insured?
No, the child needs to drive the other car. No, the child needs to drive the other car.
Is a non licensed child that drives parents car covered under parents insurance?
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.
Whose medical insurance covers your child if both parents are insured?
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.
If your non-household child drives your car with permission is he covered by your auto insurance?
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.
Which divorce parent must carry auto insurance for the child?
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.
Can an eighteen year old be sent to collections for medical bills if they are still insured under the parents?
Yes, an 18-year-old can be sent to collections for the amount he owes -- the deductible, co-pay, or charge for services not covered by the health plan. The parents are not legally responsible for the child's bills -- he is a legal adult.
If teenager isn't on insurance are they covered by parents policy?
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.
If a car has insurance where it covers any one who drives it dose the driver have to be insured?
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.
What is location influences on auto coverage?
You must list the garaging address on the policy (not a P o Box). The vehicle is rated based on the zip code where it is garaged. Say parents live in rural Georgia but their child drives a car to college and stays in the dorm. The vehicle that the child drives to college will be rated based on the Atlanta address while the other family vehicle will be somewhat less expensive as they will be rated at the home of the insured. You can have multiple garaging address on an auto policy.
If parents are divorced then under whose policy is the child covered?
Usually the primary custodial parent, but parents may make other arrangements if they wish.
Uninsured child borrows parents car that is insured and child has a wreck does insurance company have to pay out?
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.
What are the benefits of child only health insurance?
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.
