Can my insurance company cancel without notifing me?

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Posted: Thu May 14, 2009 11:10 am Post subject:

Hi Teacher,

Quote:

I research all those goofy differences, and I tell ya, it'll drive a person crazy.

If there's something really interesting to share...then please go ahead! Smile

Also, I don't get why some states need you to notify any cancellation or non-renewal while others don't. See, if you have any explanation for some states NOT needing it. I think it should be registered for the safety and security of others.

Steven

steven

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Joined: 02 Feb 2006
Posts: 1553

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Posted: Sat May 16, 2009 6:49 am Post subject:

Quote:

If there's something really interesting to share...then please go ahead!

Here's a quick one- in Oregon, you get your plates at the same place you get your vehicle-emissions check done. You fill out a document with your insurance information, pass your smog check, pay your fees and you're on your way with the new plates or tags. I have never once been asked for proof of insurance. If you get caught driving without insurance/proof of financial responsibility (yes, we're one of those states), your license gets suspended for 90 days and you get the fun-filled ride of an SR-22 for a year.

In Colorado, you have to prove insurance at the DMV to get your plates, and they WILL call your insurer if they even THINK you're trying to get over on them. If you get busted without insurance, your plates are suspended, your license is suspended, and it's truly gonna suck for you for a while. SR-22, possible bond, and God help you if you were in an accident without the coverage.

Several states have the right to seize and impound your vehicle until insurance proof is given and all other requirements, fines, etc. have been met. A few states have the legal right to seize and then sell the vehicle, although that's rarely done.

Are we having fun yet? The cost of getting busted with no insurance is bad, and the cost of no insurance and an at-fault accident is reallllllly bad, especially if you've seriously injured someone and/or caused lots of property damage. Yet statistics show time and time again that in some states up to 37% of the population is without coverage. That's why I carry high limits and UMPD on all my cars.

Don't even get me started with this uninsured stuff. I get seriously inflamed when this comes to the forefront, and this isn't the forum for it. So many things are so behind the scenes that the average person doesn't have a clue. If you ever get behind the scenes at a major insurer, you'd fall over at the statistics. You think that the insurers only keep data on uninsured accidents? You don't think that insurers have demographic data of those involved in uninsured accidents? The cost of uninsured automobile accidents is staggering, and all we hear about is healthcare and it's uninsured population. I will NEVER argue against that, but the numbers on auto insurance are pretty bad.

InsTeacher Cool