No, they must inform you of changes to the insurance contract. However, if they sent notice, they will usually have file information on when and where sent.
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
When it comes to collision repair with no deductible, you typically have two options: using insurance coverage that includes a zero-deductible option or paying for the repairs out of pocket without involving insurance.
it depends on the company
Yes, it is possible to get body shop repairs done with no deductible if you have a comprehensive insurance policy that covers such repairs without requiring a deductible.
How can you find out if life insurance has been taken out in your name with or without your knowledge.?
No, you typically need to pay the deductible for auto body repairs as part of your insurance policy.
Only screwed insurance agents will take a split on commission without your knowledge.
Probably. Check with your specific insurance company.
The best way to handle this is to file a claim with your own insurance company, assuming you have first party coverages on this vehicle. Your insurance company will pay for your damages, less your deductible, and will then subrogate your daughter's friend; subrogate means to recover the damages paid by your carrier. If the friend or his/her parents claim to have no insurance (in response to the letter your insurance carrier will send them), then your insurance carrier will ask them to reimburse the damages paid for your claim, to include rental reimbursement if you have that coverage and to include your deductible. ADDITIONALLY, your insurance carrier can check online to see if this family or individual does indeed have current auto liability coverage. However, it is a database that is not available to the public and a valid claim has to exist for a claim adjuster to run a check on an individual. Generally this is available only for reports/claims of Bodily Injury, but I have in the past, on a hunch, used it to determine the carrier of individuals involved with insureds whose claim was in my caseload.
Most insurance companies allow credit for the deductible met for services that actually incurred during the same calendar year. Call your new insurance company and find out if they allow the credit and what proof they require.
you can't, but you can if you have a letter from a carrier showing you intend to contract
It depends on the terms of your insuring contract. Maybe yes maybe no, Just read the terms of your insurance policy or contact your insurance agent.