Your insurance is either valid on the day of your accident or it isn't. If you are asking what happens if the policy was valid on the day of the accident but lapses before the claim is settled then the coverage that was in effect the day of the accident still applies. If your policy was not in effect the day of the accident then coverage will not apply.
Personal accident insurance covers the insurance in case of an accident during working hours and leisure time. Accident insurance varies based on the premium, but it usually covers the hospital expenses and additional expenses.
Now and again, the attention of the students lapses during a boring lecture.
The claims department will be concerned only with the status of the policy at the moment of the accident. Other than that, it will not come into play. Any delay would be very minor (as long as it takes someone in the coverage dpt to determine that there was coverage on the date of loss). However, if the insurance was lapsed on the day of the accident, this will, of course, cause there to be no coverage for the accident.
If the damage occurred during the accident in question, then it should.
if you add them AFTER they have an accident, they will not be covered for anything that happened during, or as a result of, the accident
If the only insurance you have is on the totaled car, you will not be required to carry a policy on it anymore. However, it is never good to have lapses in the dates you are insured. I suggest having them to lower your insurance to the most basic your state allows and carry that until you get another car.
Auto insurance covers damage caused during an accident. If the engine is damaged during an accident that's covered. If it's damaged for any other reason then that isn't covered.
It is important to have accident insurance in order to be prepared for the unexpected. Having accident insurance will prevent major expenses but not all resulting in an accident.
disability insurance.....
disability insurance.....
disability insurance.....
You usually have to have insurance in case you have an accident. The finance company can then retrieve the debt from the insurance company. If you do not have insurance then they will have to retrieve the debt from your other assets such as your house if you have one! If they perceive that you are a bad risk they may look at getting the car back if there is enough equity in it but they will still want any outstanding dues. Better to keep up the insurance. They may not know the insurance has lapsed unless you notify them.