Nope.
You don't _have_ to, but why wouldn't you want to take the money you've earned?
You will have to start calling local insurance agencies. Someone will provide you coverage and if no one will you can call your state's insurance commission and ask about an assigned risk policy.
Generally, a claim can be cancelled. If you do not want the insurance to pay a claim, the company will be glad not to pay it.
Sometimes an insurance company will agree to reinstate a cancelled auto insurance policy if it has only been a few days since it was cancelled, if you pay the premiums which are due on the policy, and if you sign a no-loss statement saying that there has been no incident that could result in a claim of any kind since the time and date of cancellation.
Yes, your homeowners insurance policy can be cancelled or non renewed if the insurer determines that your home or property has hazardous conditions. Especially if the homeowner has already collected on a claim and failed to make the necessary repairs.
An insurance policy should still remain valid for the remaining term following a claim providing that the claim is such that it does not require the insurer to cancel the policy. You should check with your insurer.
Read your policy
In fact, term insurance policies can be called no risk no fault insurance, as no claim is payable during the tenure of the policy and only in the event of death of the policy holder, claim is payable to the nominated person of the policy.
DO NOT SEND THE MONEY BACK!!! It was THEIR mistake! They "train" claim processors to assess and pay their claims, which is one of the insurance company's excuses for such high premiums (strange, but true)....if they paid the claim AFTER the insurance policy was cancelled, it only reflects poor training on the insurance company's end...OK, human error, but how is it YOUR fault? And believe you me, if you were in "error" of missing a monthly premium or not paying it in full for whatever reason, there would be no room on their end for YOUR error. I deal w/ ins. co's every day (I work for a surgeon) and you are not legally obligated to return that money!
A medical claim is the application for compensation against a health insurance policy or against another's liability insurance policy for the covered portion of a covered event.
No, Your Insurance contract gives the Insurance company the right to settle or defend whichever is cheaper. If the insured property owner interferes with the companies decisions you could forfeit all coverage under your policy for that claim and even get your policy cancelled.
The claim would still be processed - as you were still insured at the time of the incident !