Quote:
Originally Posted by Cobb
Something has changed in the past few years. It seems now insurance companies can simply say they deny liability and refuse to cover. 
In the past it use to be the insurance company did what the law said, ie who is at fault for an accident. Then after that, your rates went up or they simply refused to insure you any more.  |
No insurance company can simply "deny" liability. If they do it ends up in court (which it sometimes does, if they think they can drag some other party's insurance into paying for some of the claim). Minimum liability insurance is mandatory in virtually all 50 states. It may not be enough to cover your damages if you have a catastrophic injury, however. Usually your own insurance coverage provides for uninsured and under-insured drivers that cause an accident with damages to you.