I lived in KY and just moved to IN. Can one have dul residency with regard to insurance (auto and health)?
I want to keep my health in KY and Auto in IN. Also what time period do I have to transfer my individual health policy if dual residnecy is not allowed?
No, there's no "dual state residency". Here's the problem - each state regulates it's own insurance policies. Sure, Blue Cross might write policies in 48 states, but they aren't the SAME policy. Each has to be tailored to the state insurance department's rules and regulations. What's covered in one state might not be covered in another.
Because of that, each policy ALSO has it's own "preferred provider" list. If you read the small print, your policy in KY probably states something like, "we'll only cover you for life threatening emergencies outside of KY" or "this policy voides 30 days after you move out of KY". IN any case, you'd have to drive back to KY for all your medical services.
You have to have an auto policy compliant with the state that you're running the tags on your car. You won't be able to renew KY tags to an IN address, and you won't be able to get IN tags on a KY policy. The driver's license ALSO has to match the declared state of residence.
Sorry, you'll have to switch your health policy over. I'd recommend you do it ASAP, as it could take a while to put in place, and you could have coverage issues in the meanwhile.
Filed under auto insurance price quote by on Jul 22nd, 2010. Comment. 
Does anyone know of a good cheap auto for under $1000?
I live in Bardstown kentucky and my car has bit the dust,its not worth what itll cost to fix it.Therefore,Im without transportation,cant afford full coverage insurance on a financed auto,so Im looking for a cheap dependable auto that I can buy straight out,that way I only have to get liability insurance.Ive looked through all local papers,but either found nothing or vehicles had been sold.Can anyone help me find what Im looking for???
You can get a reasonable decent car that runs and is roadworthy for $1,000 - the problem is I'm in England. There could be a problem getting it across the Atlantic. But where there is a will there is a way! You will have much more fun in a right hand drive car with a gear stick instead of that automatic wimpy drive. I think you'll also find driving on the left hand side of the road in the USA not only fun but extremely exciting.
Filed under auto insurance price quote by on Jul 14th, 2010. Comment.
i am looking for someone in the greater cincinnati area to help me find individual health ins. coverage?
I am looking for health insurance coverage to begin in March. Are there individuals that can help you find the best coverage in your area? How do I contact these people? Does it cost anything for them just to give me quotes? Do I only pay them if I chose a plan that was offered? Do I get to choose my doctors and hospitals? I live in the Northern Kentucky/Greater Cincinnati area.
Yes, there are such people: insurance brokers. Contact an insurance broker that handles individual health policies. It does not cost anything to get price and coverage information.
Filed under Health Insurance by on Jun 5th, 2010. Comment.