If you rearend someone, regardless of road conditions or the other drivers disposition on a drivers lic or insurance, you are still responsible. Not having a license or insurance is a civil matter, not involving insurance company.
The insurance company has no reason to raise your premium, the situation was completely out of your hands.
Yes, they can. The fact that they have no insurance and the Police were not called has no bearing. If they do decide to claim for any injuries, your insurance company will scrutinize it, but not necessarily deny it.
no clue ask someone else for a change
There are many things that would make a mortgage insurance premium increase. Mortgage insurance is used when someone dies and pays money so that the mortgage will be paid. Smoking or participating in dangerous activities will increase the premiums.
The places to get a premium life insurance policy are many. Among some of the more popular choices are: LV, Post Office, Sun Life, Aviva, Scottish Widows and many more.
This is a difficult thing to do, if you think someone has 'covertly' got life insurance on you, contact the companies you think they would have made contact with. Snoop around look for a policy or in the check register for premium payments?
When using someone elses card, if you are not listed on the policy and no premium is being collected for you, then you will not have coverage.
Generally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.
There are a great many companies that offer single premium life insurance policies. Companies such as LIC India, State Farm and New York Life all offer such products. More information about the types of products can be viewed there, but investment sites and consultants also provide information on single premium life insurance policies as it is considered to be an investment product as well.
I think you mean can a general contracto force their subcontractor to raise their car insurance coverage limits. Some people choose to buy insurance with very low limits which do not provide a lot of protection. If you work for someone like a general contractor they can require you have a certain level of insurance. The reason they might do this is because they may have insurance that starts at a certain dollar limit. For example You buy insurance which covers damage cause if you car hits someone up to $25,000. The contractor may have insurance that starts at $50,000. This means that you would need insurance that covers up to $50,000 and the the contractors insurance would start paying after $50,000. Premium is the money you pay to purchase a policy. If you increase your coverage limits from say $25,000 to $50,000 it will of course increase your premium cost.
Rather than turn in a claim to your auto insurance, why not just go after the owner of the bicycle? Let their homeowners insurance cover the loss then you don't even have to worry about your auto insurance rates.