I had a car accident approx one hour before I had car insurance. I submitted the claim and everything is there a way to get them to pay for everything? will they pay much attention to the time?
2007-12-13 09:00:51 · 13 answers · asked by It's just me 2 in Business & Finance ➔ Insurance
Short answer is YES. That's their job and they are good at it!
However, I would be more concerned about how you answered the questions on your insurance application.
Typical questions should be:
- Has any driver been in an accident or sustained any losses within the last 5 years (regardless of fault)?
- Does any vehicle have any existing damage, including broken glass? (if yes, explain)
Did you answer these questions truthfully? Depending on how you answered those questions, the insurance company could charge you with fraud as well.
On most applications, with your signature you are declaring under penalty of perjury that all statements on all pages are true and understand that any material misrepresentation or omission of fact will VOID coverage.
Don't pile on more trouble than you already have. Do the right thing. Best of luck to you!
2007-12-13 13:38:54 · answer #1 · answered by CA. Auto Insurance guy 2 · 0⤊ 0⤋
Why do I think that you RUSHED down to an insurance office and took out a policy AFTER you had this accident ? Of course they're not going to pay for it, and YES, they will pay attention to the time frame, especially since the times are nearly identical.
Next time, buy your insurance BEFORE you get behind the wheel.
2007-12-13 10:31:45 · answer #2 · answered by acermill 7 · 0⤊ 0⤋
The chances are good that they *will* pay attention to the time. Having an accident immediately after getting insurance is one of the most common and easily provable froms of insurance fraud, and it is likely that, if discovered, the company will prosecute you for that very offense. Of course, if there was no police report, you are that much more likely to "get away" with it, being that there's no official record of the time of the accident.
2007-12-13 09:05:05 · answer #3 · answered by Alex M 3 · 1⤊ 0⤋
If you did not have insurance at the time of the collision - then the policy you took out after the fact will not pay.
If that were the case - everyone would drive around with out insurance and wait until the wrecked then go to the nearest insurance office and take out a policy.
Think about it this way - you can't take out a life insurance policy on someone after they died - so you can't take out automobile insurance after you wrecked your car either.
2007-12-13 13:05:10 · answer #4 · answered by Boots 7 · 0⤊ 0⤋
I hope you informed whoever you reported the claim to that the accident occurred before coverage is in force. If you did then they will not pay, as there as no policy in force at the time of the accident. If you didn't then you are comitting insurance fraud, in which case have fun in prison!
2007-12-13 11:57:09 · answer #5 · answered by Gambit 7 · 0⤊ 0⤋
This is fraud and easily caught if there is a police report denoting time. Not sure if they will just deny it or deny it and report you to the authorities. It will depend if they see it as worthy in terms of cost vs benefit. But the skinny is that your insurance will undoubtedly be canceled and you will be responsible for the damage incurred. I think it would have been better to state that you didn't have insurance and hopefully have the other motorist's underinsured clause kick in. Best of luck to you.
2007-12-13 09:24:51 · answer #6 · answered by cspb 4 · 0⤊ 0⤋
Wow. You are pretty much royally screwed, ROYALLY!
I don't know the circumstances of why you didn't have insurance but you can try. They always try to get out of paying if they can so you can't really hide the timeline from them, unless police weren't involved.
This is one reason though why we have to not only have liability, but insure against the uninsured, which sucks because that's money that could be invested or spent elsewhere instead of protecting against the irresponsible.
2007-12-13 09:19:29 · answer #7 · answered by Veritas et Aequitas () 7 · 0⤊ 0⤋
How can you have not insurance one hour and have it the next? Did you physically go to the agent's office and hand them check after your accident?
If you did, don't file a claim, they can get you for fraud.
2007-12-13 13:07:10 · answer #8 · answered by beckoningsubstitutes 5 · 0⤊ 0⤋
Nope, they aren't on the hook - you weren't insured. You can't bet on the horse race after it's won.
Darned tootin' they're going to pay attention to the time. This accident will be HEAVILY investigated, and denied.
2007-12-13 09:31:08 · answer #9 · answered by Anonymous 7 · 2⤊ 0⤋
Oh they will question it. In fact my companies protocol is to check any claims reported within 60 day of the policy being issued.
2007-12-13 09:20:55 · answer #10 · answered by mamatohaley+1 4 · 1⤊ 0⤋