Insurance companies are bast****s, everybody knows that. The only criteria I know is that the bank requires you to have full coverage on any thing you owe money on. Unless the amount is really low, then sometimes they will let you drop coverage and one just has to carry liability. This sort of thing happened to us a couple of years ago. We had the same insurance co. (Pekin) for 26 years, with only a couple of minor claims, never our fault. Then, the wife had an accident (First one in her life!) and they cancelled us. I was pretty mad about it. Here's what ya do. Just simply go to another company. Don't even think about continuing coverage with your old co. They don't have any loyalty, so you shouldn't either. Odds are, a different co. will pick you up and the rate might even be cheaper than what you WERE paying. Really, people change co.s all the time. And if you're worried about your "record", the way I hear it, is, a new insurance co will probably think that you had your accident in this decade. Probably not gonna happen again anytime soon. They play the odds, too. Seriously, look around, get a new co. and don't sweat it.
