Yes. You are required to give full and honest answers in an application for auto insurance. The contract likely states that the discovery of any false information can lead to a termination of coverage. It doesn't matter if the matter you were dishonest about has no connection to the auto accident.
Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
The amount of a claim from an accident has no bearing on the drivers legal requirement for financial responsibility. All drivers are required to carry financial responsibility before they drive. whether or not they have had an accident
Insurance company is required to pay for actual damages. This means putting you back to where you were before the accident, not hitting the lottery to get something for nothing. There is no pain and suffering amounts.
Then you where not covered. You are personally responsible for all damages you incurred unless the accident was not your fault. You should not have been driving a car without insurance. You now must pay for that mistake. Learn from it.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
No, it's highly unlikely your insurance company would cover damages to your vehicle that occurred prior to your policy's inception (actually, I know of no insurance company that would cover prior damage, for the simple fact that you didn't pay a premium for that damage). Think of it as "you get what you pay for." Your insurance carrier would be under no obligation to pay for damages for which it didn't collect a premium. i was in and aqccident some1 hit me from behind on the 3rd at 5pm i had no insurance then at 11pm i got insurance will that insurance company help me get my car fix. when the accident was the other persons fault
I've got a feeling there is more to this than the question states. The answer is if you caused the accident and the police and/or insurance investigator state that you caused the accident then yes you can be at fault and liabile to pay for damages. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
Get a lawyer. You can recover damages from his estate but it needs to be filed before the estate clears probate.
No, car insurance is a legally binding contract that starts on a specific date and time that is usually listed on the declarations page. The insurance company will not honor a claim that took place prior to the policy incepting.
You must buy all coverages before an accident. If their is an accident, you cannot buy coverages after an accident, and try to get the insurance to pay for it.