If my car was in a accident and the insurance was cancelbefore the accident and i didnt know and then i re?

Question

instated after the accident ...........will i have to pay for everything or will the insurance comp. put it on the the other which has the same insurance who was at fault for the accident.

Answer 1

maybe you should type your question out again after you sober up a little.

if the other guy's at fault, his insurance should pay, your's is irrelevant, same company or different company is irrelevant.

if you're at fault, you are in deep doo doo my friend.

Answer 2

Auto insurance companies will look for any excuse to keep their money in there profit account

Answer 3

I've gone through the same thing -- still a bit painful,here is the resource help me a lot.http://carinsurance.expertsupport.info/a...

Answer 4

As far as I am aware, once your direct debit or standing order has been cancelled your policy is cancelled too, but check with your insurance company and ALWAYS READ THE SMALL PRINT on both the insurance certificate And your bank letters I

Answer 5

well you have to pay for every thing in an accident.  if you got into an accident the day before it stopped than you got a chance and realize that it is worth keeping insurance.

now you know why people have insurance all the time because its call an accident for a reason.

Answer 6

If the insurance was canceled then you are 100% responsible for the costs. You can't have a lag in your coverage and expect the insurance to pay.

Answer 7

In many states the fault person's insurance pays for the whole accident situation.  However, some states have a no-fault law and then you would be liable for the cost to your car.

You need to call your insurance agent and discuss the matter with them.  They will know if your insurance was in effect at the time of the accident.  There is a few days delay on some unpaid insurance, but if it was canceled then you may have to pay.

Answer 8

First, the insurance company is required to notify you that your policy was going to be canceled.  Didn't you get a letter from them?  Depending on what state this loss occurred in, if the policy was not canceled properly, you may still be covered for this loss.

If not, then YOU file a claim against the other party's coverage.  The insurance company is not going to do it for you.  They are not your legal representative.  If you have an agent, the agent can file the claim.

Answer 9

If your policy was not in force on the date/time of the accident, then your insurance company will not pay. You did not pay for insurance so you don't have it.

When you re-instate the policy, it will go back into effect at the date/time you made the payment.

So, if you cause and accident at 1:30. Drive straight from the accident scene to your agents office and re-instate your policy at 2:15 -- then your insurance was put back into effect at 2:15 and the accident at 1:30 is not covered.

You can't back date the coverage. You have to have insurance paid for before the incident.  

It makes sense when you think about it. If you were allowed to get insurance after the fact, no one would carry insurance. You would wait until you had an accident to get a policy. You would wait until your loved one was already dead to purchase life insurance. You would wait until the house had already burned down to get homeowners insurance.

If you were not at fault for the accident, then the at fault drivers insurance should cover the accident. However, some states laws allow the company to limit what they pay you to economic damage only if you don't have insurance.

Answer 10

You cannot reinstate a cancelled policy, as that would be seen as backdating an insurance to cover you for the accident, which is an offence under the Road Traffic Act. You can only reinsure from now.

If you were not responsible for the accident, the responsible party would have to pay for the damage via his insurance, but his insurer would be obliged to notify the police that you were driving uninsured. Unless you can prove to the police that you were insured at the time of the accident, you will get points on your licence and a fine, and when you do get some insurance, very few insurers will agree to insure you as you have committed a serious offence, and the ones that will insure you will charge you a fortune.

It sounds tough, but if you drive a car, you owe it to other road users to have insurance in place to protect them. It is directly your responsibility to make sure that insurance is valid before you set out on your journey.