InsureMe is a good option. Some states have "assigned risk" policies. In order to receive a license to sell insurance in these states, a company has to agree to accept a certain number of high risk drivers. The agent from the cancelling company should be able to tell you if this applies to your state and where to get an application if it does.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
If your contractor refuses to give you copies or originals of the insurance papers, contact the insurance company themselves. If the insurance company name is not known, call the state you live in to inquire.
The insurance company will pay you the worth of your car minus your deductible.
Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.
You only need to report it if you are expecting some compensation.,
Many health insurance companies offer what is called "Pay and Chase". Meaning, your health insurance company will pay your hospital claims and chase the automotive insurance for the rest of the money. It is possible that you may have this type of plan. If that is not a possibility to you, you could entertain the possibility of legal action. It might be far less costly and stressful to contact your insurance company first.
If your home is/was mortgaged - the insurance MUST be in effect as protection to the mortgage holder. The insurance company is just making sure that you are not cancelling what is MANDATORY coverage to save yourself some money.
You may want to contact your health insurance business office and find out the reason for the refusal to pay for treatment. Each insurance company has their own rules and regulations regarding what they will cover.
You will have to take them to court if it was their fault. Many times you can garnish their wages for not paying up.
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
He can get an assigned risk policy from any auto insurance company.
no. it depends what company