1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The underwriting process for auto policies has become highly computerized.  Households are checked, vehicles are checked, driving records are checked, and loss histories are checked.  As a result there is very little cause for a company to decline a risk once they have accepted it.  The one glaring exception is when the premium payment isn’t accepted by your bank or credit card.
    Answered on June 12, 2014
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