The penalty for not meeting the preauthorization requirement is listed in your policy. In most cases the penalty is 20% of the benefit. This means that if your policy normally pays 80% of the medical costs after your deductible then the benefit would be reduced to 60% payment instead. Generally the hospital has departments that handle the preauthorization but remember that it is your responsibility to make sure this has been done. After all it is you that will be responsible for paying the penalty if it is not done.
It so happens that you have no insurance
Depends on the requirements of the company contract. One must look at the eligibilty requirements of the insurance policy. Does it say students must maintain a certain grade point average. Or does it state a student must be a full time student and no other requirements but maintain full time status.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
An underwriter is a person who works for the insurance company and who reviews applications for insurance to see if they meet the requirements of the insurance company and also that they told the truth on their application. They also review the rating of the insurance product to be sure the policy is properly rated.
no insurance + jail
What happens is that you get a new insurance policy, possibly with another insurer. Any unearned premium will be returned to you by your insurer.
you will have to pay a debt and GET CAR INSURANCE
If the other person has insurance, you will probably be contacted by their insurance company. You'll have to foot their repair bill or risk being sued. Depending on your State's laws regarding insurance requirements, you may also have to pay a fine in traffic court, provide proof of having since obtained insurance, or possibly risk losing your license. Read up on your State's laws on their website for that information.
It's on your car insurance.
You're an a-hole. GET SOME INSURANCE!
Auto insurance.
Most people just buy another insurance policy somewhere else. That is usually what happens.