Not disclosing information to an insurance company?
If you make a false disclosure statement to an insurance company, such as, reception a ticket or having a previous insurance policy canceled, can an insurance company deny you compensation if you procure into an accident?
Answers: All insurance companies I know verbs MVRs (motor vehicle reports) and CLUE reports (claims history) on ALL drivers listed on the policy AND some companies verbs a report that shows all drivers within the household whether you reported them or not & they will ask for proof they don't live there or proof they hold their own coverage.
In most states (probably all) insurance companies can cancel a policy for ANY defence in the first so heaps days (60 days usually). So, it looks like it be probably a recent accident & the company feel like you be trying to hide something (or their underwrite guidelines state they do not accept any accident in 3 yrs). Many companies will confer you the benefit of the doubt if the accident be CLOSE to 3 yrs old (like 34 or 35 months old), still if their underwrite states they can't accept any accident, they can't. That is the way it is.
What you requirement to do is to find another agent, preferably an independent agent that works with oodles companies that can find you one that suits your needs. You will involve to disclose the cancellation to the fresh agent. Be up front with everything. Nothing an agent can't stand more is finding out near are all sorts of things on someone's journal & all the work you in recent times did to write the policy was a fritter away of time. Now, the agent has to start adjectives over again with another company. So, if you are completely up front FIRST, the agent can any say, sorry we can't relieve you or we have a company for you & write your policy where on earth it should be written.
As an underwriter, we pulled reports on 100% of all applicants because we know people lied, overlooked, or forgot their tickets adjectives the time. The policy was rate based on what we saw, and as far as previous insurance, documentation have to be provided with the application or it be denied up front.
If you have an existing policy, and you are paying a premium for it, consequently you will be bound to that contract. The company would not be able to deny you compensation unless you did something of an planned act or frauded the company. Yes, it's call "material misrepresentation." And they're pretty predictable to find out about it, as they'll run a MVR check and CLUE report on you. More potential, they'll uprate or cancel you up to that time you have time to profile that claim.