Q: Can your car insurance drop you after one incident?
I was with State Farm for 12 years, no incidents or claims. This summer I drove my husband’s truck to the beach, on the way the ac went out. My brother met us in Alabama for the weekend, he said he’d take the truck to have the ac fixed (I’d just gotten it out of the shop for 8 months waiting on parts). My husband passed unexpectedly (this was his truck) in March of 2021 so my brother rented us a vehicle to drive home with and he took the truck to Georgia to get the ac fixed. the truck spun out and messed up a yard. The truck was insured, only liability so they didn’t pay for my truck..statefarm called and asked if my brother was authorized to drive my vehicle and I said yes. Oct 2022 I got a notice that they were dropping me Dec 1, 2022. I called and they said it was because they couldn’t prove my brother was insured, October 31, they asked for his insurance information, I sent it same day. Dec 6 they asked for declaration page, dec 31 they said I was canceled dec 4. No answer.
A: Yes they can although it seems to me to be a bad business practice for State Farm. If State Farm is not doing what it should from an insurance (coverage) standpoint as it relates to any of the incidents you describe, then please contacgt a lawyer in your area and discuss your options. Good luck.
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