Does insurance cars have the right to investigate old inusrance policy with other companies?

Does insurance cars have the right to investigate old inusrance policy with other companies? Hello, My car was stolen from me and did not get anything from insurance company because I was not covered. People are telling me to stay with my first insurance company though I did not buy a new car yet and then switch to a new company, but I want to cancel. Now if if the new insurance company asked me about the reason y I canceled with the first company, what should I say? I am afraid my premium will go up if they know I had my car stolen. If I did not tell them, will they have the right to contact my old company to find out the reason? I am really not sure!! Some advice please thanks PS I am in Canada

Public Comments

1. A friend of mine just had his car stolen. The VIN number was attached to his name and when a car is stolen, this information follows the VIN. The car was recovered but he chose to buy a new one. Had it not been recovered and he bought a new one, he would have still had a hike in premiums ... he too did not want to keep his carrier after how rude they were towards him during the recovery of his car. If you have to prove to your new insurance company that you had insurance in the past, they will have access to your VIN and the information would be found.
2. Your rate will not go up to to your car being stolen if there was no claim paid out, rates only increase due to money so if anything shows it will show a comp claim with a 0 payout which 99% of companies fon't care about. The insurance company has a right to pull your claims history for however many years there underwriters deem necessary and all claims will come up at that point. You can always just tell them you cancelled for price, they probably won't contact your old company anyway.
3. Pam, They do not need to contact your old carrier. Ever hear of the National Insurance Crime Bureau? NICB-Most insurance companies are members and ALL THEFTS are reported to them. They provide a cross index, If there was a prior loss or report to them it would show up as a prior claim and they would forward that information to your new carrier. Also there is another agency where ALL claims are reported and you new agent or carrier will get a hit if you or anyone in household has a loss. I am not sure why you want to leave your carrier but ALL INSURANCE works the same way for autos. It just varies from state to state due regulations and unfair claim practices. You did not carry comprehensive coverage? THAT IS THE COVERAGE YOU NEED FOR THEFTS, FIRES, VANDALISM. If your car was older then you may not have lost as much as the premium would have been.
4. Its always best to be honest. I wonder tho, why you want to switch? Seems to me (at least this is how it works in US), that the only reason your policy wouldn't pay is if you didn't carry theft (comprehensive) coverage. If you didn't carry the coverage, why are you blaming the ins co.? I think you need to put in more details.
5. I can only suggest you one thing... Why dont you contact one of the canadian insurance companies and ask your questions... through phone... you could ask anything... what do you think about cooperators? they are good in car insurance, i think they own kemper insurance or something... my friend has their policy... call them! http://www.cooperators-insurance.net/