Search Results for: blog when to drop your child from your auto insurance

One-Step Actions that Yield Big Savings

While all of the little things that we do on a daily basis can add up to great savings, sometimes we just need to find a way to make a big impact on our finances. For example, we may be experiencing a pay cut or loss of income, or facing a large expense, such a new furnace for the home or braces for a child. In these moments, we need a quick one-step action that will yield big savings. My husband and I are pushing to build up our emergency fund, just as prices for everything seem to be going … Continue reading →

The Affordable Care Act is Here to Stay

President Obama has been elected to a second term, and the Affordable Care Act is here to stay. This is wonderful news for all Americans! The ACA has already provided benefits that many families have experienced. Those will continue, and more are coming up between now and 2014. The Affordable Care Act was signed in 2010. The Supreme Court ruled, in June of 2012, that the Affordable Care Act will stand and will continue. As you are probably aware, the Republican party platform for the 2012 election emphasized their interest in repealing the Affordable Care Act. President Obama won the … Continue reading →

Insurance Podcast Roundup – Week of April 16, 2012

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It is time for the Insurance Podcast Roundup once again! This is where to find brand new episodes of podcast that talk about insurance related news, issues, and changes. Listening to podcasts is a great way to learn about things that could, potentially, affect the insurance that covers you and your family. PBS NewsHour released an episode on April 10, 2012. This episode is called “U.S. Dental Crisis: Sen. Sanders on the Fight for Coverage”. This episode features an interview with Senator Bernie Sanders, an Independent from Vermont. Topics include: the lack of dentists, the high cost of dental care, … Continue reading →

Auto Insurance and Students Away At College

Recently a Families.com member asked me about adding a college student to personal auto insurance: My son got his driver license this summer and is now in an out of state college. He is not going to drive while at school. However, when he is back for Christmas or Summer (may be for two to three weeks), he will drive our car. Should I include him in our auto insurance? Or should I include him in our auto insurance only during the period when he is back? Some agents claimed that including him all through the year will help him … Continue reading →

Intermediate or Graduated Drivers Licenses for New Drivers

In 1979 the year I got my drivers license car accidents caused 45.6 % of the deaths for people in the age group 15 to 24. In 1996 the death rate for people in the same age group dropped to 29.2%. Injury is the leading cause of death for children, with auto accidents being one of the major reasons causing the injury. While it’s true the children are not always driving the cars that cause these injuries. When it is a young driver the damage are often catastrophic. If not for the young driver but other people involved. Driving is … Continue reading →

Four More Parental Liable Issues

Negligent Supervision is a legal theory where a minor child’s parents are held liable for their child’s negligent acts when parent knows or has a reason to know that it’s necessary to control the child and the parent fails to take actions to do so. Anyone with the custody and control of a child may be held liable including grandparents, guardians, foster parents or other adults with custody and control of a child. In most cases there isn’t a dollar limit for negligent supervision liability claims. In some situations an Insurance Umbrella or Homeowners insurance policy might offer some protection … Continue reading →

Parental Liability: Civil Behavior and Criminal Children.

Parental liability is the official legal term that defines the parent’s responsibility to pay for any damages caused by negligent, intentional, or the criminal behavior and acts of their child or children. Our children are a risk we as parents are liable while they are in our care. In many states the parents are liable for any malicious or willful property damage their children might cause. Most states start holding parents responsible when their child is between that ages of eight and ten. In every state the lays vary regarding the monetary threshold or limit for damages that may be … Continue reading →

Holding Parents Responsible For the Actions of Their Children

Parents have always been held liable, to a certain extent for their children’s actions in the United States. Some of the early parental liability statutes provided the juvenile court system jurisdiction over parents who had “contributed to the delinquency of a minor” My father spoke often of the “Truant Officer” who spends the day looking for wayward youth and sent notice of fines to his parents. During the past several years, parental liability laws have become much more popular due to societies fear of juvenile crime. Public support for new laws holding parents responsible for the actions of their dependent … Continue reading →

Anatomy of a Homestudy

An adoption process usually begins with a homestudy. This does not mean, however, that social workers will drop in unannounced and give your home the white glove test. The social worker is required to visit your home at some point to verify its basic safety. He or she will usually want to see the room where it is planned the child will sleep, but you will not be expected to have it prepared yet. A homestudy includes interviews with both parents (if applicable), both separately and together. A centerpiece of a homestudy is the adoptive parents’ “autobiography”. This is each … Continue reading →

The Three Insurance Issues to Consider When Your Child Leaves For College

It’s almost time to pack bags and help those college children find their way around a dorm room. It’s an exciting time for them but can be a stressful time for parents! A few of the insurance issues you might want to be thinking about now include: Is my child’s personal property, including the computer, covered while away at college? In most cases a child is covered on your insurance policy as a member of the household. Insurance companies cover children away at school differently in some cases your child’s personal property would be covered under the conditions of your … Continue reading →