Automobile Insurance Specialist
Reader’s Question:
If got convicted of DUI and I would like to know if my insurance carrier in Palm Beach, FL will just cancel my car insurance policy or does it has to go through some sort of procedures? Do I need a specific auto insurance specialist?
Josh
Palm Beach, FL
Insurance carrier’s guidelines vary however a conviction for driving under the influence (DUI) could result for an insurance provider terminating your automobile insurance policy. Usually your insurance carrier may cancel your insurance mid-term or cancel the car insurance policy at the end of the term due to your conviction for DUI.
If your insurance policy is terminated in this manner in Palm Beach, FL, your insurance carrier must send you notification stating why your car insurance policy have been canceled and then you will have to find another insurance carrier while now having a cancellation on your auto insurance claims history. Most states do not allow insurance carriers to just drop you in the middle of the car insurance policy term, even for a DUI. If you want to get more information about your state guidelines with regards to this, verify with your state’s insurance regulatory body.
I Need A Very Cheap Auto Insurance Company
Reader’s Question:
I want to know how soon after a car is ‘totaled’ do I have to wait to cancel the insurance policy in Roanoke, Virginia? Should I have to wait for all payments (auto value and medical) to be made before I cancel? And am I entitled to a refund for the unused portion of the policy period?
Carmen
Roanoke, VA
If your vehicle gets ‘totaled’ in a car accident, and it is the only car on the policy, you do not have to wait to cancel your policy. If you choose to cancel the policy, because you are not getting another car to replace it on your policy, you will want to have a cancellation date for the day after the accident.
Your car insurance company will request proof that your vehicle was indeed ‘totaled’ in an accident and the date the accident took place if the other party’s car insurance company is going to pay you for the car accident, to backdate your cancellation date to the day after your accident. Most insurance companies in Roanoke, VA impose a ten percent surcharge to your return premium when you cancel a policy, this is somewhat called a ’short rate’ cancellation. I do not know if that surcharge will apply in this type of situation. You will need to speak to your insurance company or otherwise, you will be refunded any money that is rightfully yours.
Why Would My Auto Insurance Company Cancel My Policy?
Reader’s Question:
What are the reason why auto insurance company cancels your insurance in Cheyenne, Wyoming?
Bill
Cheyenne, WY
The insurance company in Cheyenne, Wyoming may cancel your car insurance for any reason within the first sixty days of car insurance coverage. Once your car insurance policy has been in effect for more than sixty days, it can only be canceled for:
- Nonpayment of auto insurance premium.
- motor vehicle registration or The driver’s license of any one driver residing in the policyholder’s household or who customarily drives a car insured under the insurance policy has been under suspension or revocation during the car insurance policy period. The insurance company may cancel coverage only to that operator by issuing an endorsement to the insurance policy excluding coverage to that operator. Refusal of such restrictive endorsement by said insured shall constitute grounds for termination of the policy.
- Fraud on the part of the policyholder in filling out the application.
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