It can be many different reasons
The best thing to do is have their customer service or agent go over each bill and each payment made by you. I have to say that most carriers have electronic records and they are USUALLY right. You really need to go over each month together to find out what happened.
If they went to collections, then that means you went a long time without paying. They sent you bills and maybe made phone calls to you and you didn't pay or refused to pay. Who knows...but it is pretty late in the process when it gets to collections. Try to get the records from your old agent/company and back-track how it happened. Maybe your old agent could help you sort it out.
Hope this helps...
Depends on when it was cancelled. Before or after the accident? When did you get the cancellation notice? If you were cancelled before, then obviously you were uninsured. If the accident was your fault, then any costs are yours alone and not the insurance company's.
You call customer service of the insurance company and ask. But if the policy is cancelled, it is very likely there is no value to it.
Cancellation Termination of an insurance contract before its expiration date, by either the insurance company or the policyholder. Lapsed Insurance Policy When a policyholder fails to pay the due premiums, his or her insurance will get cancelled. These are referred to as a lapsed insurance policies.
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.
A valid current (ie receipted) insurance document. (Assuming that the company has not cancelled the insurance contract for some breach on your part).
What happens is that you get a new insurance policy, possibly with another insurer. Any unearned premium will be returned to you by your insurer.
If your previous home insurance policy was cancelled for non-payment, the company you were insured with may choose not to reinstate the policy depending on your history with the company. While this company does not have to reinstate your policy, you will be able to bind insurance with another provider. If this company asks if you have been cancelled previously for non-payment, answer honestly. This will not disqualify you for obtaining insurance, however it may disqualify you from receiving a continuous coverage discount if they offer it.
When the factory has closed down or the building no longer needs fire insurance, you are to write to the Insurance Company citing the reason as applicable, and ask them to discontinue the policy.
First we would need to know why you were cancelled? As if you were cancelled for misrepresentation or fraud then you are in trouble, but if you were cancelled for non payment then just call up some other insurance companies and get quotes should be no issue, you may see a jump in your premium and thats unavoidable and you will have to live with it for around 3 years. If you were cancelled for underwriting reasons, inquire as to what that was so you can change it for the next insurance company. Condo insurance is very complex and although it is cheaper then most insurances for property it is the most difficult to adjust for a claim.
Yes, they will threaten to sue, if you don't pay, or get your insurance company to pay. It's better to just pay, or notify your insurance company so you don't have to pay the lawyer fees. You don't want the hassle of going to court and you will lose.
Yes. Depending on the state and for what reason the policy is being cancelled, this determines the number of days that prior notice is required by the insurance company to provide to the policyholder.
Not unless the deceased calls the company to cancel. The insurance company cannot cancel the policy unless it is requested in writing by the insured or executor or if it cancels for non-payment.