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Can an insurance company terminate your coverage even if you never filed a claim?


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Wiki User
2009-07-21 04:55:53
2009-07-21 04:55:53

Here are opinions from FAQ Farmers: Yes an Insurer can cancel or non renew your policy in accordance with your states reglations for a number of reasons. Reasons for a cancellation or non-renewal can include but are not limited to the following. A substantial change in risk factors related to your coverage. Diminished capacity to accept risks in your region, such as when after a major storm has depleted the insurers reserve funds due to claims and the company is required by law to reduce its insured portfolio. They may also occassionally change qualifying criteria for certain policy lines. if an Insurer changes for example to a credit scoring component in their rating system, the insured may find they no longer qualify at renewal time for the policy previously issued. Policies can often be terminated or non renewed regardless of your clams history. * I'm sure they can do anything they want. But if you've never filed a claim, I don't know why they would. Unless you've had a lot of late or missed payments. If you don't know the reason, you should call and talk to them. It could be a mistake.

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The same as any claim. You just call the insurance company and notify them of your loss. If coverage is available then they will assign you a claim number and begin to process your claim.

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It depends on why they didn't pay the claim. If you have the coverage and followed the requirements, like making a police report, cooperating with the insurance company as well as the police then you should have no problem with a claim, if it was in fact a theft. Otherwise you can always sue the company or file a complaint with your state department of insurance if you feel you were denied coverage you paid for.

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They should not drop you before a claim is settled. If they have contact your state department of insurance and file a complaint.

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Lightning is covered under Comprehensive coverage, if the vehicle has that particular coverage on it at the time of the incident. If you have that coverage is place, file a claim with your insurance company, and you should be compensated for your loss, minus the deductible.

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Generally you would just file a claim with your insurance company. If you have windstorm coverage and your roof met the requirements for coverage on your policy you should have no problem getting the company to pay for repairs.


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