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Please keep in mind that I'm not a licensed agent and that I have never sold insurance, but I did work at an insurance company for over a year. I worked in the U.S., so I don't know if it is much different in other countries.
We sold Homeowners insurance, auto, medical, liability, boat, bike, umbrella and more.
When you get insurance coverage for your home or car the policy is supposed to renew automatically, policies will keep renewing unless there is reason that an insurance company wants you off of the insurance like if you have too many auto accidents and such. Of course, the insurance company still has to cover any big accident before they can remove you.
As far as I know, almost all insurance policies (and the thousands I dealt with when I used to work on quoting and servicing policies) automatically renew.
Now if you specifically said to cancel your policy at the end of your current term or a certain date, and the insurance company renewed/continued it anyway, then they are in trouble, and they must refund you for the time afterwards that you were covered after you asked the policy to stop. Keep in mind I'm not a lawyer though.
Also, in case if you didn't know, you have the right to cancel your policy at anytime, all you have to do is tell your agent to cancel your policy at whichever date that you choose. Many people also aren't aware that you can get new insurance at anytime you like, your policy term doesn't have to be at it's last day before it renews, you can do it at anytime you feel like. Plus, if you want to cancel your policy mid-term or at any day, if you paid ahead of time you must be refunded for the time that you were not covered, in otherwords if you paid for December's insurance on December 1st, but canceled the policy on December 10th, the insurance company owes you the other 20 days you paid on December 1st, so they have to refund you the 20 days worth that you paid for.
Hope this helps.
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Can insurance companies automatically add new coverage to your policy without your permission?
They should not unless you did not sign a waiver of coverage.
Can an life insurance policy be taken out on your children by the husband and grandmother with out your permission?
can the grand mom and her son take a life insurance policy out on me and his children without my {legal wife} permission
Unlicensd teenage friend drove our car without permission and hit a tree. Will insurance cover this?
No way! The insurance certificate specifies who may drive. It will not include unlicensed drivers! Even a licensed driver, but driving without the owner's permission will not be covered by the car owner's insurance.
Can you be removed from heath insurance by spouse without your permission?
Yes, especially if your spouse pays towards the insurance benefits out of his/her check.
Are medical records automatically sealed?
All medical records are exclusive to the individual or to doctors or others who have been given specific permission by the individual to review the records. Anyone who accesses an individual's personal medical record without permission is in violation of The Health Insurance Portability and Accountability Act (HIPAA) of 1996.
Will auto insurance cover a vehicle if an underage driver took it without permission and wrecked it?
If you are willing to charge this driver with auto theft it probably will. If not, the insurance company will assume you are giving him permission after the fact.
What can you do if someone put insurance on you without your permission?
What can you do if someone put insurance on you without your permission? I I have so many people that want me dead and someone told me to check to see if maybe they have a life insurance policy on me. who do I contact to see.
Can insurance company's get information about potential clients from other insurance company's?
Most insurance companies report to the same service regarding accidents, claims, violations, etc. to rate accurately and prevent fraud. If they don't participate in that reporting service, the insurance company can not release information about your policy to anyone other than you without your permission.
If a person had a car accident and a second person was killed in the accident can the state police take your blood sample from a hospital without your permission?
they sure can they can be used in a court case and insurance companies will also request these samples
If a friend borrows your car without permission and gets into an accident will his insurance cover it?
First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may jump or you may get cancelled. Your call- depends on how much the claim is and how good the friend is
Will your car insurance pay for the car that your son hit even though he is not on your insurance?
if he is not on your insurance he is required to have his own insurance otherwise he is driving your car without insurance with or without your permission illegally so no it will be the get out clause the insurance company will use not to pay out and why should they pay for someone who has not paid for there services
In Ohio if an uninsured unlicensed driver is driving your car without permission and hits a car and you have insurance are you responsible?
I sense that this person driving your car without permission is a resident of your household. Without a police report of the theft of your vehicle then the person driving your car, especially if they are a resident of your household and reasonably knew where to find the keys, would have presumptive permission to use the car and your insurance will have to pay.
