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If you change insurance can the new company find out if any claim were made against you from the previous company?
Yes, All insurer are going to check your claims history either at the point of purchase or within 60 days of the policy effective date.
You can't hide claims anymore, It only takes the click of a single button and less tahn 1 second to retrieve your claims history.
It's best to be honest about your claims history. When the insure discovers that you have lied or attempted to conceal your previous claims, they may just decide to cancel you, not necessarily because of the claims but rather because you showed dishonesty in your application for insurance, misrepresenting your claims history on an insurance application is considered a form of "Insurance Fraud" which is a felony.. The insurers reasoning is that if you were dishonest about your driving record, then you are more likely to be dishonest about other things as well,
Answer
I have 2 claims for other companies and that hasn't affect me with the other insurance. I don't think they can find out. Insurance Fraud If the application asks about previous claims and you do not list them, your insurance will be cancelled if (when) they find out about them. I would be surprised if they did not. When I was shopping for new insurance, the agent pulled up my DMV records on his computer and I'm sure the claims information is available somewhere, too. If there was a police report but no claims of any sort, will they find out and will they increase my premiums just because of the police report?
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Can you change homeowners insurance companies if you have a claim with the old company?
Sure, So long as you disclose the previous claim to the new company. Failure to inform the new insurance company of previous claims is insurance fraud by omission of a known fact and is a felony offense. Should the new insurer find out that you intentionally tried to conceal the previous claims they can deny any and all coverage under the new policy.
Can insurance companies claim lapse of coverage in a situation where a purchase of home is thru a relative who maintains their coverage on the home until move in of the relative who purchased the home?
Yes. The previous owners insurance policy coverage does Not pass through to a new owner. You can not ride off the previous owners insurance policy.If all you had was the previous owners insurance policy, Then you had no insurance at all. You and your property were effectively uninsured. If a loss occurred, payment would be denied based on the fact the the named insured (previous owner) no longer has an ownership interest in the property and the new owner never contracted for an insurance policy. The old policy does not belong to you as a new owner.The previous owners policy was a contract specific to that named owner and his or her owned property with the insurance company and was between them. Once they sell, it is no longer their property. A new owner is not a named insured under the terms of the previous owners policy. The previous owner being a relative does not change this..When a property sells or changes hands the previous owners Insurance Policy ceases the exact moment down to the exact hour minute and second of the day the property changes hands. All coverage under the previous owners policy stops, it is null and void whether or not the insurance company has yet been notified of the change in ownership.The new owner has a responsibility to purchase and qualify for his or her own insurance coverage. All Property Insurance policies are like this and it is clearly stated in the terms of the insurance contract.
If you change insurance companies after an accident does the prior insurance company still have to handle the claim?
yes
What is needed to do to change a beneficiary on a life insurance policy if they have passed away?
Contact the insurance company and request a change of beneficiary form. They will mail the form to the policy owner. You fill it out and mail it back to the insurance company so they can update your life insurance policy.
Change of insurance due to jobs. When will my existing insurance expire.. end of the month... the next month?
Check with the Personnel Office of your previous employer.
If you are moving to another state how can you change your automobile insurance?
If your insurance company is a nationwide company, simply update your address with them. If it is a smaller company that does not have coverage where you are moving to, then find a new insurance carrier where you are moving to, then cancel your old one.
Can you change home insurance companies when a claim has not been dealt with?
You can change insurance companies any time you want. However, the insurance company you have on the date of the loss is the only company which you can seek payment from for the damage. If you are having problems getting your company to address your claim speak with an attorney or a public adjuster.
Does mortgage company know the change of the homeowner insurance to landlord insurance?
Your Insurance Company is required by law to provide a copy of insurance policy at renewal time to your mortgage company and to notify them of any endorsements or changes in coverage. They may Notice it if they review your policy.
Can you change auto insurance if you just was involved in an accident?
You can change your auto insurance at any time. It is up to the company to decide whether or not to accept your claim.
What do you do if your insurance company changed your policy without notifying you due to lack of inspection but you were never told and the finance company shows you have full coverage?
They can't do that. In most states, especially in California, an insurance company cannot change the terms of your policy unless it's in WRITING and why they wish to change it. Call your insurance company and find out what's up, and check your state department of insurance and find out there as well.
How do you transfer ownership of a life insurance policy?
You must request a "change of" form from the insurance company that issued the policy. Then, the old owner must assign new ownership, and both the old owner and the new owner must sign the form, mail it to the insurance company. Once received and processed, the insurance company will issue an endorsement to the policy, indicating the change of ownership.
Will your auto insurance cover your auto if the enginE SEIZED?
No, your insurance is not a warranty on your car. However, why did it seized? Was it because the oil change company didn't put oil in the car after the oil change? Then you need to file a claim with the oil change company's insurance. However, if it is simply a mechanical issue, then no, they won't cover your auto.
