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| *Loan,banking and credit>>>health insurance |
Driver's License and Health Insurance questions? |
Well it happened I am out of colllege, no longer a full-time student. However my name is still on my parent's health insurance. It states that I have to be a full time student. Does this mean it is void? Do I need to get my own health insurance now? What about Car/life/homeowner's? Where would I even start? I am 22, if that affects anything. Also I have a driver's license from a different state (Mississippi) than the one I currently live in (Missouri). Now that I am not a full-time student do I need to get a new driver's license from the state that I do live in (Missouri)? My license says that it is valid until 2011, but I don't live in that state (Mississippi) anymore...? I don't want a new license but I do live permamently in Missouri now. What do I do? You health insurance is not valid anymore, since you are not a full time student. You will need to secure health insurance by yourself, possibly through your employer, rates will be much lower if your employer has a health insurance plan established. As for the car insurance, since the car is registered to your dad, and you do not reside with him, insurance would be covered, as long as you are listed as the part time driver, however, since you have established residency in Missouri now, you are required to get a Missouri driver license. If you fail to do that, and law enforcement is aware of your residency, you will be ticketed. Since you have possession of the car, you also should be listed as the primary driver, and since you are not a registered owner of the car, this can cause you problems. You would be better off having your dad release interest in the car, and transferring your title/reg to Missouri. This way, you will carry insurance in your name, using the Missouri driver license,since technically, your Miss. license is invalid, since you have established residency. You likely would get a warning to get a Mo license, but if the officer pulled you over again, you would get a ticket, and the car could get impounded. So, to sum it all up, get your Mo license, transfer the car title/reg into your name and get Mo licensing on the car. your health insurance should cover you until they renew....as i live in missouri also i know that if you get stopped the police can write you a ticket for not transferring your license....i believe you have either 60 or 90 days to get this accomplished I know that in New York, when my son got out of college, I had to report that change RIGHT AWAY to my health insurance plan....28 days after it was reported, my son was no longer covered on my policy (it takes 28 days for the change to be put into affect)... if you get sick or hurt NOW, since you are no longer in school as the health insurance policy stipulates, you MAY be carried for that 28 days but possibly NO FURTHER THEN THAT. You SHOULD call the DMV on Monday and ask them about the license thing. Tell them when it expires, Do you plan on getting a job in Missouri or are you planning on going to look for work in another state? THAT makes a difference about your license as well. ALSO if you have a car and it was registered to Mississippi while in college, you HAVE to re-register it in Missouri or whateer state you plan to make your permanent home in. |
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