You are obliged to disclose all material facts to your current or any future insurer prior to renewal.
If a student driver will be going away to attend college and will not be driving during the school year, let the insurer know so the premium reflects that the student does not have access to the vehicle on a year-round basis.
Additionally, some employees have the option of choosing the amount of coverage they would like to obtain from their employers, and this can also have an effect on the amount and type of dental coverage received through this insurer.
If you choose to change insurance providers, you may also have to change your HSA provider, or you may be faced with higher fees or a lower interst because you are no longer insured with the accompanying insurer.
Before this became more common, people of this age may have had trouble obtaining a life insurance policy because they would have been turned down for a policy through another insurer due to their age or health.
The consumer also benefits from this arrangement, since they are dealing with a dentist who has been screened by the insurer and who agrees to a particular service standard as a condition of joining the network.
And it suggests that the insurer is not liable for salvage where the policy is free of particular average, which does not accord with practice.
One view has been that it is covered by the sue and labour clause of an ordinary policy, by which the insurer agrees to bear his proportion of expenses voluntarily incurred "in and about the defence, safeguard and recovery" of the insured subject.
This bases the claim against the insurer upon a fiction, for there has been no loss of the subject insured; in fact, the payment has been for averting such a loss.
The liability of the insurer was thus made to depend, not upon the character of the loss, but upon the fact or possibility of contribution.