There's no information about the average claims made against Churchill Insurance annually. They do, however, provide customer service and insurance feedback from people.
each and every claim = all claims
it may but most likely the do
deductible
The deductible applies to every individual claim.
Each insurance company is different, can range from 3-10 years.
Each state has different time periods of filing an insurance claim after an accident. Check with you state to make sure you do not miss the filing period.
Excess applies
An occurrence is a loss, or a claim filed on the policy.
You'll need to review your policy and determine if they have any basis to deny the claim. If they do not have a legal basis to deny the claim, tell them that you'll be contacting a lawyer, and then follow through with a suit.
Car insurance deductibles are the amount which the policy holder must pay out of their own pocket in the event of an accident. It is standard for deductibles to be applicable for each claim.
You would have to file a claim for both vehicle and pay the deductibles for each vehicle. You cannot use liability insurance on your own vehicle because you cannot be liable against yourself. This prevents people from purposefully hitting their own vehicles.
The limit is the maximum amount of $$ the company will pay for each component arising out of a claim.