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My niece has left her home due to her parents' drinking and fighting. She left of her own accord and does not want to return. So far her mom has had no problem with this move. I want to have legal custody or guardianship to feel "safe" in the decisions I make for her and in case there is ever an emergency. In doing so, would I also be able to put her on my insurance? I'm concerned because her mother's insurance is in collections and my niece cannot see a doctor as a result. Thanks for your advice.