Insurance was canceld on the 3rd of July Car gets hit in Driveway on the 6th of july?

Question

Would my Geico insurance cover me if my insurance was canceld on the 3rd of July and my car got hit in the driveway on the 5th of July by a hit and run? I also have GAP insurance. But anyway the story goes like this. My car was sitting in the drive and at 11:40, July 5th (20 minutes before my birthday) I heard a loud bang. I was taking a nap and knew it was a car that collided with something. It was an official "Hit & Run". So I then heard people yelling and tires screaching. I took a peak and didnt see my car where it was parked, so I ran out to see my car spun out of its parking location with the rear end pushed inward. My neighbours got the license plate number and the make and color of the car. We even found evidence on the scene, a piece car part from the suspects car with the makers logo on it. Help me please.....

Answer 1

Your Geico policy will not cover you for anything that happens after it is cancelled.  Geico is very precise about this; they give the exact minute (12:01 A.M.) at which coverage ceases.

In the unlikely event that the other car was insured by Geico, then Geico will pay for the damage to your car, up to the property damage liability limits on the policy of the car that hit yours.

In the somewhat more likely event that the car that hit yours was insured by another insurance company, then that company will pay for the damage to your car, up to the property damage liability limits on the policy of the car that hit yours.

If the car that hit yours was not insured, then you can have the DMV or the police (depending on how things work in your state) run the license plate number through a computer and give you the name and address of the person to whom the license plate was issued, presumably the owner of that car.  You can then sue that person for the damage to your car, unless the license plate or car was stolen.  (An owner who lends a car can be sued for damage done by the borrower, but is not responsible for the driving of someone who steals the car or the license plate.)

Answer 2

Don't be retarded.  There is no way your insurance company is going to pay for that ****.  Call the police and try to get the person who hit you to pay for it.  If you can't get them to pay, you're screwed.

Answer 3

If your policy was canceled, why do you think you would be covered?  

I assume that you called the police.  Did they run the plate?  If not, ask them to do so.  Report the claim to the other person's insurance company.  They will complete a liability investigation and determine whether or not their insured was involved in the loss.  

If the vehicle was reported stolen, they will not pay.  You will have to go directly against the person driving the vehicle.  Good luck with that.

FYI - you need to let your lienholder know that the vehicle was involved in an accident, and you did not have insurance.  Technically, they are the actual owner of the vehicle.

Answer 4

You have no insurance, so it will be up to you to pursue any claim against the driver (if they have insurance or any assets).  People from the street that hit cars in driveways or houses are usually DUI with no license or assets.

Note that when your lender learns that you have no insurance, they will charge you a very high rate for their default insurance.