Yes, If you are the executor of the deceased, legal heir or have other appropriate power of attorney to do so, you can deposit the refund check.
Call the dealership where the gap was purchased.They can advise you. If they are self insured they should have the forms there.
Premium = insured value / $100 * Rate
No.
Since she is deceased, she is no longer driving, so no insurance is needed. You could cancel and possibly get a pro-rated refund. If you were on her policy, you will need to obtain your own.
If I were you I would contact the insurance company directly. I would not call the broker. You can always cancel your insurance and have the right to at least a partial refund. Most carriers will refund the entire unearned premium. Good luck.
Of course not. The hospital would issue a refund to the insurance company if they overpaid on a claim. Generally on a large claim, an audit is done at the end of the claim to check on such things. It is illegal for an insured to make money from overpayment from an insurance company or a combination of insurance companies. If you have more than one policy you cannot collect more that the amount of the loss from the combination of company payments. Be careful, you can get in trouble.
For delinquent gov't insured or guaranteed loans.
If you have credit life on the loan, you should be able to supply the insurance company with a death certificate as well as with their claims form. Your purchasing dealership may help you. The insurance will not pay any late payments due prior to the death of the insured. In order to avoid problems, continue to make payments until they pay off the vehicle. The loan institution will refund all overpayments.
Most insurance companies will refund any remaining policy time. It will be prorated. If your mortgage company paid it out of escrow funds, the refund may get sent to them.
I don't think it violates Connecticut insurance regulations. But you should be able to cancel the policy and get a pro-rated refund or full refund.
NO, They are not liable if their insured was not at fault or was not their insured regardless of whether a check had already been written or not. In fact should they have issued a settlement check and later determined they were not liable, The insurer can demand a refund of the settlement amount they issued.
Legally, YES.