An insurance company cannot force an independently owned body shop to refer to only 1 car rental company. They can choose not to refer their customers to that body shop for repairs, but they cannot force an independently owned body shop to refer to only 1 rental car company.
A claim is a liability on part of the insurance company. If a customer makes a claim it means that the insurance company has to pay the customer for the amount is eligible to claim and hence it is a expenditure on the balance sheets of the insurance company.
An exclusion will stay in effect until you ask the insurance company to reverse the exclusion.
Phone the insurance company.
If the insurance is in effect when the damage occurred, the lack of registration shouldn't matter.
deductible
The family member needs be excluded to keep your insurance in effect.
Just call the insurance company and ask them.
I found an old insurance policy with this company. The insured is Judith A Kneeshaw which is me. Policy # L 5006603. Is it still in effect. Thank you, Judy
Normally this would not cause an insurance policy to increase, but it is possible. Every insurance company is different and have different rates. You should check with your insurance company directly and ask. Not at fault accidents can effect the price of a policy when the policy is new business with a company.
In most cases an insurance policy for a car goes into effect the moment the first payment is made. In the case of medical insurance there might be a waiting period based on the insurance company. Life insurance usually goes into effect after the first payment is made, but there might also be a waiting period before benefits will be issued.
BK will not affect any insurance policies that are already in effect.
Generally NO, as in effect when settling with you, the insurance company is buying the car from you. Therefore, the car belongs to the company. If you still want the car, many insurance companys will allow you to buy the car back at the "salvage value."