Yes, because they incurred the loss.
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else.
Yes, even if you have insurance with a national company.
Most insurance companys want you to go to a certified repair shop to make sure you are not frauding them some will even send out their own inspector to check you car out before they approve any repairs
Yes, they can. But if you can get it repaired cheaper, you can buy it back for the salvage value and have it repaired. I have done this, even convincing the adjuster to lower the salvage value a hundred dollars and the body shop to shave a few dollars off the repairs.
No. Only the State can bring a criminal charge against someone. It is doubtful that the Insurance Company would even have standing to file a complaint in such a matter.
The insurance company will make you use your uninsured motorist coverage to pay for a person whose license has been revoked or who does not have insurance when they hit you, and even when it is totally their fault. Just pray the two of you don't have the same insurance company. IF the other person has coverage on their car; but their license is revoked, and you have the same insurance company, my experience is that you will be cheated out of everything that insurance company can cheat you out of. Mine even cheated me out of the car rental I had on my policy, when it was totally the fault of the driver with revoked license--told me I had only seven days of car rental to buy another car; when my policy had 30 days of car rental. This happened in Maryland, where the Insurance ADmin. protects the insurance company before the driver--this is my experience and opinion.
yes
There are several sites on the internet for travel insurance in Nova Scotia. You can also talk to your local insurance company or even visit in person to a travel agency.
Yes, This is a common practice to insure the home has been restored to it's previous insured condition Failure to Repair the damage could result in reduced coverage from your Insurer or even policy cancellation if the home no longer meets insurance underwriting guidelines for condition and moral.
It depends on the state and the type of insurance you are referring to.
Since the Art Sales Sompany profited from the relocation of the piano the answer would most likely be yes. I run a Moving and Storage Company and know what you are going through. Do yourself a favor and get estimates to repair it, check with your Insurance Company on your deductibile and most of all show an effort to get the piano repaired. Even go as far as swapping the repair with an offer to move the repaired pianos in the future. Good Luck!
YES, you can have multiple insurance policies, from different companies or even from the same company. Each company has it's own rules of how much life insurance someone can get. You can get quotes from multiple companies and have life insurance policies issued simultaneously from different companies. You should work with an insurance agent that has access to multiple insurance companies and can advise you what requirements each company has, and the limits they are willing to issue for life insurance.