State Laws

State insurance laws protect you, the consumer. Among other topics, those laws define the circumstances under which a policy can be canceled or non-renewed. Depending on the type of insurance, these laws can provide you a lot of protection or very little.

For example, personal auto insurance is generally well protected under the law. An insurance company can’t cancel or non-renew a policy simply because they don’t want to insure you any longer. The law states the conditions under which cancellation is allowed.

However, other lines of insurance – like business insurance, for example – have fewer such defined cancellation criteria. In many cases, the insurance company can non-renew your policy just because they don’t want to keep your risk on their books.

I can’t emphasize this enough … there are no clear-cut guidelines for making this decision. State laws, company rules and practices, the size of your loss, your deductible and your personal claims history and experience all mix together to create your unique circumstances.

If you’re still wondering, after all of this, whether or not it makes any sense to submit your claim, give me and my team a call FIRST. Get the facts for your specific situation. And then make an informed decision.

And, one last time:  If there is another person involved in the claim, always turn it in. You never know who will have a bad neck the following day or 6 months down the road.  You do not want to compromise your coverage; failure to turn in a claim may just do that if the claim magically resurfaces at a later time.


Click on a link below to learn more about what you should do before you file a claim.

  1. Damage to Your Property:

  2. Damage to Your Car 

  3. Small Claims:

  4. The Size of Your Loss

  5. Your Deductible

  6. Did Someone Get Hurt?

  7. Company Rules and Practices

 

 


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