IF your parents use the car in their business, they may not be able to get this insurance depending on what they do for employment. I advise them to disclose how they use the car in their business when they apply to get the correct answer.
This insurance does not cover one of my cars, because I use it just for making deliveries. I have to get commercial insurance for that car elsewhere.
Like many insurance companies, I can have my checking account drafted monthly to make it easier to budget and not get in a squabble about a payment arriving on time.
I do not know anything about their health insurance, so I defer to the insurance agent who gave you an answer there.
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