NLIC.org

Agnes Said:

Commerce Insurance Help Plz?

We Answered:

It's competitors are threats, and so is the insurance regulatory commission in every state it does business in.

Bryan Said:

commerce west insurance company??? Liability?

We Answered:

That other driver not having a license, doesn't matter.

How the medical bills are filed, depends WILDLY on what state you are in.

For example, in PA, regardless of who's car you are in, you collect under your OWN policy's benefits. If you have no policy, you collect under your mother and father's policies. If neither of them have policies, you collect under any OTHER policy owned by any OTHER resident of your household.

Regardless of which state you are in, if your girlfriend was driving, you can ALWAYS sue her, for your bodily injuries, and THEN they'll end up paying them - plus pain & suffering.

But if YOU were driving, then you caused your OWN injuries, and you can't sue yourself - you'll have to pay for your own injuries yourself.

It is quite possibly true, in quite a few states, that the insurance of the car you are in, won't pay your medical payments - ESPECIALLY IF you are not a listed driver on the policy, and you were driving.

Rafael Said:

Can congress regulate insurance companies when they're confined to a state, not engaged in interstate commerce?

We Answered:

Well, they do actually work across state lines... (AIG does business in every state!), however... I agree with the spirit of your question. This is a GROSS misuse of the commerce clause...

It has never been done in the history of the country to regulate a product and then force the citizens to buy THEIR version of the product!

Allison Said:

How to switch insurance companies. From Commerce to Progressive?

We Answered:

... Once you have your policy in force from Progressive (or anywhere else) call or go to Commerce insurance and cancel you policy and ask for a refund of your unused premium.

Clifford Said:

What would you do if your car insurance company refused to pay for the full balance of your car?

We Answered:

Take them to court.