What makes someone uninsurable

If the driver was discharged for failing to promptly report accidents or violations, you will need to show that the accidents or violations occurred and that the claimant failed to make a reasonable effort to promptly notify your company under whatever notification policy you have click the link for a sample policy. You will also need to show how the claimant either knew or should have known he could be fired at that time and for that reason.

If a driver loses his job due to losing his license, the TWC ruling will depend upon whether the problems leading to loss of the license were within the claimant's power to control. If the claimant draws benefits, the employer should certainly ask for chargeback protection if it had no alternative but to lay the claimant off, i. If the driver was fired for falsifying the job application or for failing to supply all pertinent information, the employer will need to present a copy of the application and copies of any documentation showing how the claimant's original information was false or incomplete.

Look back at the information above concerning "convictions". Do not fire a claimant and expect a favorable ruling from TWC if the problem was that the application asked only about "convictions" and the claimant failed to list a deferred adjudication sentence that was successfully completed. If that situation has happened to your company, you need to redesign your job application as noted above. If the driver was fired for uninsurability, you will need to prove that the incidents causing uninsurability happened close in time to the discharge and were the claimant's fault.

Drivers are sometimes declared uninsurable for problems that happened before they went to work for the employer. While the employer may need to lay such drivers off, TWC will not disqualify them from unemployment benefits, since any possible misconduct on their part occurred prior to working with the employer and was thus not misconduct "connected with the work".

However, this does not apply if the problems occurring prior to employment were not reported on the job application. In that case, that might fall under the "falsification of a job application" category see above. Due to the Texas Commercial Driver's License Act and similar laws in other states, it is fairly easy to be aware of a driver's record and to properly protest an unemployment claim involving serious license or driving record problems.

Under those state laws, which in turn were mandated by a federal law, there is a nationwide database of driving records of people who have commercial driver's licenses. Those laws also require prompt reporting of any problems that might affect a driver's ability to hold or renew a commercial driver's license.

Using the database, employers should have another way of getting information relating to the ability and qualifications of applicants and drivers. Life insurance dividend payment options. How to apply for an SGLI extension. Special dividend rumor. Life insurance. Explore VA life insurance options for Veterans, service members, and families. Manage your policy online, file claims for benefits, and access helpful resources.

Preexisting conditions that may affect your life insurance rates Some preexisting conditions, like the ones listed below, can affect the rates insurance companies will offer you. Tags All Veterans.

Submit feedback. Guaranteed issue policies require no medical exam. Anyone below a certain age who answers a few medical questions can buy a policy. Applications will likely ask for your height and weight, whether or not you're a smoker and basic questions about your health history. If you answer yes to a question you may be knocked out of eligibility.

Pay close attention to the benefit terms if you're comparing guaranteed issue policies. Consult your life insurance agent about your chances for qualifying for an underwritten policy before buying a guaranteed issue policy. For more, read The basics of guaranteed issue life insurance. If you're considering buying life insurance on your children, Dewald suggests looking into a "guaranteed purchase option" GPO rider.

This gives the child the right to purchase additional coverage amounts as they get older, at certain ages, no matter their health. You must add this rider at the time of purchase. If you make the cut, you'll likely pay less than you would for a guaranteed issue policy. It's important to shop around.

Occasionally a professional association like a bar association or union plan will offer guaranteed issue or simplified issue policies to their members. The downside: Guaranteed issue and simplified issue purchased this way will still come with steep premiums, and life insurance through affinity plans is not readily available.

The downside: "Generally the worst insurance you can buy," sums up Dewald. It does mean that conventional insurance policies may be reluctant to take you on, but you still have options. Facebook Twitter. Alternative Insurance This does not mean, however, that it is impossible for you to get insured for a car ever again.