Because Leah is remarried, she is no longer on Corey's insurance. As a result, Corey's insurance will likely not speak to her, even though Ali is her daughter. Corey is the policy holder, so therefore, he is the one who has to be in contact with them. Leah can make medical decisions, talk to doctors - none of that changes...but the insurance policy is Corey's...not Leah's, and because she is not listed on the policy, the insurance company couldn't care less who she is. They won't speak to her.
A lot of people have pointed out about Chelsea talking on the phone while driving. I agree that it isn't the safest thing to do, especially with a child in the car. But, it may be perfectly legal in her state. In my state, you can talk on the phone while driving (does not have to be hands free), but texting is illegal. Not disagreeing with the SAFETY of it at all, but I know around here, people don't realize how unsafe it is because it's something they have always done...they can't possibly be any more distracted while driving, their eyes are still on the road, besides, it's legal! (duh!)