Another possibility: perhaps the insurer declines full support unless and until the insured (in this case the parents) exhaust alternate claims.
 
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"Always Shoot Back First" - El Gato, post #76757
Don't shoot the Lion - he's one of us!
"The Second Amendment guarantees an individual right to possess and carry weapons in case of confrontation."
Supreme Court of the United States: District of Columbia et al. v. Heller (page 19)
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