回复：回复：回复：保险公司在何种的情况之下,可以把顾客直接拒保或用涨保费的办法让顾客

If your auto insurance does not have medical insurance, then there are nothing you can do. You are not covered to start with.

Other question does not need to be answered.

Answer to Q3. "Pre-existing Condition." That is why you will have problem with future health insurance.