What do you mean they missed? If it is a chargeable accident then I would think yes, but to be sure I would contact your states dept of insurance.
You would probably lose any loss free discount you were getting
No. Most companies will not raise the rate of any individual policy due to a claim of this type. Sometimes if you have a discount for being claim-free for a period of years then you could loose the discount. Due to natural disasters, and losses incurred by a company, a statewide increase may be warranted.
If your insurance company finds out about the tickets it is highly likely that they will raise your insurance rate.
At renewal.
No - an insurance company cannot cancel your policy or refuse to pay the claim, unless it can be proven that you were aware of this prior to obtaining the new insurance. They also cannot raise your premiums unless they raise everyone in your healthpool rates as well. A healthpool is a group of individuals who are in the same age range and insurance rating as you.
it depends on the company
Every company have their own rules regarding premium changes to their policy. You will need to either speak to your agent or the customer representative to find out why your premium change. In some case, you may be able to buy back the claim(essentially reimbursing the claim cost to the insurance company) and have the change removed.
Yes and no. Insurance companies do not raise your rate because you filed a claim (this only applies to "Act of God" claims). Any claim related to weather like hail, wind, flood, tornado, etc. It's called a pooling effect, so if X# of people file a claim in your area everyone's rates go up whether you file a claim or not. Insurance companies do not raise your rate just because you filed a claim. Now, they can drop you for any reason they want, but are not likely to drop you because of an Act of God claim. If they drop you because you filed an Act of God claim, then you should definitely find a new insurance company.
Yes, you would be covered by YOUR insurance company, given you have "Full-Coverage" coverage on your policy. Keep in mind, when filing a claim with your own insurance company, that this claim will follow you on a permanent insurance record for 5 years, possibly more in depending on your state. So be very wary of claiming an accident that was someone else's fault on your insurance. This may raise your premiums, or make you ineligible for insurance through A rated companies. If you have any more questions, direct them to my email. Sean
Points on your license does not automatically raise your insurance until the insurance company looks at your record. This usually only happens when you change your policy or have an accident.
no
Your insurance can vary based on quite a few variables, not just a claim. Some claims will not result in a premium increase and some claims will raise them based on the severity of an accident.