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What can you do if your auto car insurance cancels all medical benefits after your accident?
I would switch insurance carriers.
If you told an insurance company about an out-of-state ticket they may not have found out about could you switch companies and get a lower rate?
== == NO. The ticket is now on your insurance record, which is open to all insurance companies to look at. No advantage in changing now.
When you switch Home Insurance companies is the previous company still on the hook for a previous claim?
Yes.
If you are involved in a hit and run accident that is not your fault should you tell your insurance if you are about to switch insurance companies?
== == Question..........Did you leave the scene of the accident? If so, you should have been charged by police. On the other hand, if you didn't run and the other driver did run away, you are OK. And YES you should all ways tell the TRUTH to your insurance company, or it WILL come back and bite you in the butt. That also applies to the NEW insurance company. Ethically you have a responsibility to be truthful about your past driving record.
Can I switch car insurance companies if my policy isn't up yet?
Yes. If you prepaid for your policy, your insurance company will refund any unused portion.
Will your insurance rates go up if you file a claim for damage that's entirely not your fault?
With most companies, yes. unless it was weather related in which case it would not go up.More Answers from othersI disagree with the first answer. If your claim for damage is the result of an accident that is "entirely not your fault" your rates should NOT go up. They might not.. but GOOD luck when trying to switch insurance companies... collision claims will show up in your claims history database and the premiums WILl be higher.... it happened to me! In general, yes it will. Your rate is based on their actuarial calculations. Fault is not figured into the equation because they will still have to pay your benefits regardless of fault. Statistics show that most people who get into an accident are more likely to get into another one. For that reason, your rates are going to go up. With that in mind though. Most companies have a policy of forgiving the first accident. You will not be penalized for the first accident.
How many penalty points to effect insurance?
A single ticket or violation can affect your insurance rates. While some companies have accident forgiveness I haven't yet heard of any companies with violation forgiveness. Some companies will increase your rate too much after a ticket which may put you in a position where you may want to switch. This happened to me a few years ago. I used the low-insurance.org site and found a company offering lower rates with my violation on record than what I was paying for insurance before my ticket.
Can you save on your future premiums if you switch to a different insurer after a no fault accident?
Most companies don't raise rates based on a no fault accident when you are insured with them. So, if you are getting good driving discounts, they will probably remain. However, if you want to switch, the no fault accident might prevent you from getting the next company's best rates.
What are the advantages in getting short term insurance?
The advantage of short term insurance is that it is, like the name states, short term. You are free to switch insurance companies frequently instead. Short term insurance can also be cheaper.one
If someone on your insurance gets in an accident but neither party files a police report yet damages are paid will your rates still be affected should you switch to another insurance company.?
It depends if your insurance carrier reports ALL crashes or not. Some insurance companies won't report it to the state if the car isn't totaled. In the past when I have rear ended a car the accident never got reported to the state but it did get reported to a database called CLUE, which is sort of like the credit bureau of car accidents for insurance companies. Sometimes the insurance company won't even report it to CLUE so it may not show up on either source of record at all. Some companies go by your state driving record, some go by CLUE, and some go by both. Also, it depends on how serious the crash was. Did anyone die or get injured, are any vehicles a total loss? ETC.
Where could one go to find information how how to switch car insurance companies?
The best way to find information on switching car insurance companies would be to speak with an agent or broker. The broker could run quotes and determine if switching companies would save money.
What happens when you switch insurance companies after a policy expires?
Nothing of any consequece happens at all except that you now insured by a different company.
