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It is very doubtful that the insurance company will even notice the inspection sticker being out. It should have no impact on your claim. The only issue is if the wreck was caused by lack of maintenance and if the inspection would have caught this issue. This may prove you knew about the issue and did not correct it. A normal wreck shouldn't be impacted by the sticker issue.

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Q: If you wreck your car and the inspection is out will it still be covered by the insurance?
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If you had your granddaughter car insured and she wrecked it is the car covered?

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