My husband was hit by another driver a few days ago. The other driver was at-fault and our state is an At-Fault state. The other driver has insurance. Our insurance policy has been lapsed for under 30 days. We were planning on obtaining insurance in 2 days. There is a chance the car may be totaled and it is financed with GAP. I believe that I read that GAP will not cover in the case of no insurance coverage. Does anyone know where we stand here? Will having the new policy in a couple of days in any way help regarding the GAP issue?
Also, the other driver's insurance company called today asking for info: Name, Address, our insurance info. What should we do?
2007-01-15 05:08:54 · 4 answers · asked by sunny_17_us 1 in Cars & Transportation ➔ Insurance & Registration
You're probably screwed. Many states bar you from recovering from the responsible party if you do not have insurance yourself. The concept, called "no play, no pay" is becoming more and more popular.
Many states also operate under the presumption that you should not have been driving since you were not insured and if you had not been driving the accident would not have happened. You can expect the other party's insurance company to approach it that way; they will deny your claim and tell you to sue of you don't like their decision. They might even go after YOU for their customer's losses since you should not have been driving at all as you were uninsured. Since you don't have insurance, you'll need to get an attorney at your own expense to defend you.
Getting insured after the accident will NOT help you. It would only cover you for any claims resulting from incidents AFTER the insurance came into force.
You drove without insurance and now you're paying the price. Quite literally.
2007-01-15 05:18:53 · answer #1 · answered by Bostonian In MO 7 · 0⤊ 0⤋
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RE Have GAP Insurance, Don't have car insurance?
My husband was hit by another driver a few days ago. The other driver was at-fault and our state is an At-Fault state. The other driver has insurance. Our insurance policy has been lapsed for under 30 days. We were planning on obtaining insurance in 2 days. There is a chance the car may be totaled and it is financed with GAP. I believe that I read that GAP will not cover in the case of no insurance coverage. Does anyone know where we stand here? Will having the new policy in a couple of days in any way help regarding the GAP issue?
Also, the other driver's insurance company called today asking for info: Name, Address, our insurance info. What should we do?
2014-09-07 00:48:06 · answer #2 · answered by Berk 1 · 0⤊ 0⤋
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RE :Have GAP Insurance, Don't have car insurance?
My husband was hit by another driver a few days ago. The other driver was at-fault and our state is an At-Fault state. The other driver has insurance. Our insurance policy has been lapsed for under 30 days. We were planning on obtaining insurance in 2 days. There is a chance the car may be totaled and it is financed with GAP. I believe that I read that GAP will not cover in the case of no insurance coverage. Does anyone know where we stand here? Will having the new policy in a couple of days in any way help regarding the GAP issue?
Also, the other driver's insurance company called today asking for info: Name, Address, our insurance info. What should we do?
Follow 7 answers
2016-08-26 05:53:18 · answer #3 · answered by Anonymous · 0⤊ 0⤋
One of the requirements to drive in any state is to be insured. The finance companies usually require full coverage. If you had GAP insurance, there must have been a finance company. At best GAP only protects the lender by paying any amount OVER what the insurance pays in case of total loss.
No, having a policy in a couple of days will protect you from then forward, but won't go back in time to cover you when you were driving without insurance.
Prepare to feel a definite pinch in your pocket book, if the other people were at fault, and you are in a no fault state, that usually means they fix theirs, you fix yours, doesn't it? I'm not that up on no fault rules.
2007-01-15 07:47:29 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
This is what is stated on the back of the GAP form I provide customers with.
PRIMARY INSURANCE REQUIREMENT. If you do not have comprehensive and collision damage insurance in effect as of the date of loss this contract shall be void. You agree to maintain such insurance on your vehicle at all times with the lender as a named insured.
Sorry, it sounds like you won't be covered.
2007-01-15 05:17:56 · answer #5 · answered by yellowstone34 2 · 2⤊ 0⤋
I am an insurance broker. I cannot understand why anybody would venture out onto the roads without insurance to protect themselves against injury, their property, and protect themselves against damages they can be sued for. It is illegal to backdate insurance, so getting it in place now is like shutting the barn door after the horse has left. You will have a problem with the finance company who likely required insurance be in place. They will call in the loan for full payment.
2007-01-15 13:27:37 · answer #6 · answered by Fred C 7 · 0⤊ 0⤋
I think you need to call YOUR insurance agent and talk with them and see what advice they can give you. I worked in auto insurance sales and I know that, for the carrier I worked for, you have a 30 day grace period for nonpayment before you are dropped. I would call my insurance agent, tell them your situation, offer the payment for next term of insurance and see what they say. I'm not going to make any promises, but you might be pleasantly surprised.
2007-01-15 05:28:19 · answer #7 · answered by Patti H 2 · 0⤊ 1⤋
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2014-05-26 20:24:14 · answer #9 · answered by Anonymous · 3⤊ 0⤋