Should the self payment be returned when insurance is canceled?

What do you mean by "500 deductible"?

Hi,
This is not legal advice.
I assume you are saying that the insurance company refused to renew your policy, which is different to the policy being cancelled? It is not clear whether you had further subsequent claims in 2015 but regardless,
Yes, I think you are entitled and ask the insurer to reopen the claim , you withdrew, and reimburse you $450.

If you could prove that the insurer knew, or reasonably expected, that it would not renew your insurance at the time the suggestion was made not to make a claim, then you might have a case to seek compensation.

However, that may be difficult - particularly if you had any claims after that event.

You would also need to overcome the fact that you made a calculated choice at the time: pay less via claiming but have a higher premium next renewal; or don't claim, pay more and retain a lower premium. Given that you've said your insurance was cancelled due to 'too many car accidents' you must reasonably have been aware of the effect a claim would have on your premium.

smalljimmy said:

Hi Tim, the deductible is normally paid by you and not taken over by the insurance company for settling a claim.
So if the total damage cost is 950, I need pay 500 and the insurance company just pay the rest 450.

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Perhaps you are talking about an "excess"?

In my case, the insurance company suggested me to pay the total 950 myself to exchange for the same premium next year. However, my contract was canceled by them in the next year, so it does not bring me any benefits by paying 950 ( 500 deductible + 450 otherwise should be taken over by the insurance company).

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Look at the contract, you may find in there a provision that allows them to cancel the contract at any time of their choosing.
In any event, the premium and the excess are different things.

Do you think I can ask the insurance company to pay me back the 450 after my contract is cancelled by them?

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A part refund of premium? Possibly.
A refund of any excess paid on a claim? Almost certainly not.

This matter does not need to be complicated. In fact it is a very simple issue. The claim was not initially proceeded with on the basis of understanding there would be a future financial benefit. As that benefit has not materialised, the claim can now be reactivated. Based on information provided, the insurer has no basis to deny the claim.

This is not legal advice, but rather the opinion of a guy on the internet who worked for over 20 years in insurance claims.

How many more car accidents did you have?