Has Your Insurance Company Dropped You After You Needed Them To Cover You After Years of Paying On Time?

Answer 1

Nope.

But what does the "years of paying on time" have to do with anything? If you buy lottery tickets every week, and forget one week, and your numbers come in, do you expect to be paid?

Insurance is GAMBLING. Your annual premium has a SET TIME PERIOD it covers. No more, no less. Every time the policy renews, the terms are subject to change - if you have two car accidents this year, you can be darned sure they're going to cancel you NEXT year. THE TERMS CHANGE. You're MUCH higher risk after you've filed one claim.

Answer 2

Insurance coverage is an annual contract. Whether or not you paid one particular insurance company a lot of money is quite irrelevant.