You can take back a claim for damage to your own property. You can't take back a claim where you are liable for damage to another party.
Yes.
You cannot go behind someone's back and file a claim on their insurance. If it is a major injury you can file suit and they will have to provide it to their insurance company so that the insurance company will defend them or settle the claim. This is to force the issue.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
No. It would have to be sent back to the insurance company if they paid too much.
When applying for life insurance you need to always answer the applications correctly and honestly or a claim may be denied. If you purchase new life insurance you do not need to go back to your already in force insurance company and advise them.
No, they will pay the claim to you and then you will be able to do what is fiscally responsible.
You may be able to but it isn't very likely.
Insured person dies. You (beneficiary) call insurance company and place a claim, they send you paperwork, you fill paperwork out and mail back with death certificate, Claim is paid in a few days to a few short weeks.
Yes, you can. However, ultimately it is the at fault party's insurance company that will pay for the claim. In such a case, you will file a claim under your collision coverage and be subjected to the deductible. Once the claim is settled, your company will subrogate the loss with the other company(i.e. get reimbursed). Once that happens, you will be provided your deductible back. If you go through the at fault party's policy, you would file the claim under the property damage of the policy.
Yes, you can keep the extra money you saved by finding a contractor to do the work cheaper than what the insurance company estimated. The insurance company prepared an estimate of the damage. If you could not find a contractor to do the work for what the insurance company estimated, you could ask them for more money. If they chose to pay you for the damage before it was fixed, they cannot ask for it back if you got the work done cheaper.
It depends on how the insurance policy is worded. Call the health insurance company and ask what timely filing limit is. Most insurance companies will go back 1 year from the service date. Sometimes it will be less.
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.