If your insurer can demonstrate that you present a substantially different risk than that to which they originally agreed, they can cancel your policy. There is no 'magic' number.
all do. however, if you get to many accidents they can drop you. If you are looking to be insured, ask the insurer, they will tell what they will allow and what they don't.
It depends. Usually an insurance company will drop you if they find out that some kind of fraud is incolved in a certain claim. However, they can drop you because of claim history, or too many accidents within a certain time frame. In essence, if they feel it would cost them more to insure you than you would pay them in premiums, they can drop you. However, they must have good and valid reasons to drop you in accordance to state insurance laws.
A car insurance company can cancel your policy for many reasons and they are not obligated to provide you with insurance. Different companies have different criteria for cancellation of a policy due to accidents.
Impossible to answer - not all car accidents need to be reported. Minor bumps (for example - backing into a wall) would be a matter for the driver's insurance company.
Yes, a spouse's health insurance company can drop coverage for a spouse if they are legally separated. Many insurance policies stipulate that coverage is contingent on the marital relationship being intact. Once separation occurs, the primary policyholder may choose to remove the spouse from the plan, or the insurance company may have policies that allow for this action. It's important for separated spouses to explore their options for individual health insurance coverage.
Yes. Insurance companies don't just go off your drivers license record. They also check several other insurance company data bases because many accidents are not reported to the police. If an accident claim was filed the Insurance company who handled the claim will have it in their database as well.
Yes, Peerless Insurance seems to be a reliable insurance company and not one of the many insurance scams that plagues the insurance scene. Good luck!
Yes they can, in fact they are the sole determinate of fault when a claim occurs. In most cases police never witness accidents and can only describe what happened. But of course, many insurance companies take extreme measures to avoid paying their customer's claims. If you have evidence to the contrary you can pursue your claim against the insurance company and report it to your state insurance commissioner.
The parent company of the McGraw Power Sport Insurance company is the Pacific Specialty Insurance Company. The McGraw Power Sport Insurance company has many affiliates including Western Service Contract Corp. and McGraw Insurance.
There is no such thing as high risk auto insurance. You will not find a company anywhere that sells it either. There are insurance companies that will sell insurance to people with tickets and accidents and there are companies that will not sell insurance to people with many tickets or accidents. Some companies sell to anyone but just charge more for if you have tickets and accidents or a record of not keeping continuous insurance coverage. My recommendation is to find an Independent Insurance Agent that represents numerous companies, be honest with them, and let them find you the best rate and coverage you desire on your insurance. For full disclosure, I own and operate a small Independent Insurance Agency and have for the past 22 years. I also worked for a direct writer for the 3 years before that.
a broker sells the insurance, (is a sales person for many companies generally) and insurance company is the actual company that 'owns' the product, or company it's self........
No, you should make your teenager pay his or her own insurance if they get into quite a few accidents. Making them pay it on their own will hopefully make them learn to be more responsible and also drive better once they realize how high the insurance can be from getting into so many accidents even if the accidents aren't their fault.