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In most cases, no. There's usually a waiting period after they receive the payment * Agreed, if the policy was not in force at the time of the accident the insurer is not liable for paying damage claims.

2006-07-19 12:25:39
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Q: Is insurance coverage valid if the insured did not make a payment to finalize the policy before an accident occurred?
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Will the insurance company pay for damages or injury claims if the policy was canceled days after you got in an accident?

As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.


If you have an accident and then reinstate your insurance are you covered?

If the accident occurred after your policy lapsed and before reinstatement, no, it won't.


Will insurance cover the damages to the transmission from an auto accident?

If the damage occurred during the accident in question, then it should.


Will full coverage insurance cover your car if hit by another car on private property?

It should unless there was some illegal activity that had occurred and you had the proper coverages. There is no difference in a private property accident or a public street accident when it comes to paying claims.


What happens if I had insurance at the time of an accident someone hit my parked....but now I need to file a claim and now I don't have insurance?

Your insurance SHOULD cover the damage assuming you had comprehensive coverage and not just liability. However, you might have a problem proving the damage occurred while you were still covered.


What do you need when you've received a summons stating you are being sued for a car accident which occurred 18 months ago?

You should call your insurance co. first. They will have the information you need. If you did not have insurance at the time of the accident or have changed insurance carriers since the accident consult an attorney.


If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?

Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.


Does an insurance company have to prove the date of an accident or disprove when you say it happened?

In most insurance claims, the burden of proof is on the claimant - in other words, YOU have to prove the accident occurred for them to pay off the claim.


How do you file a insurance claim against the party that was at fault in an accident that occurred in a parking lot Without involving my insurance company.?

Just file a claim with the other parties insurance company. You called the police and got an accident report, right?


What is a full coverage auto insurance?

Their is no such thing as full coverage in legal terms. What people refer to when they say that is Physical Damage Coverage for a vehicle. What physical damage coverage breaks down into 2 parts. Collision Coverage: Does include a deductible, covers the vehicle from damage resulting in a person being at-fault in an accident, and damage has occurred to the vehicle in which it has to be repaired or replaced. This does also protect the vehicle if an accident or damage results from a uninsured motorists or under insured motorists Comprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Remember, insurance company's insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.


What happens if you have no insurance on a rental car and a signed driver gets into an accident who is responsible for the other cars damages?

It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.


Will a homeowners insurance policy cover for an accident to an insured off property?

There is no coverage at all for an accident to an insured either off property or on property. A Homeowners policy provides coverage for structures, personal property, additional living expenses due to loss, liability coverage and medical payments. There is coverage away from premises for insured personal property provided it is due to loss from a covered cause. Coverage is generally limited to 10% of coverage C and if it is theft, insured must be temporarily residing where the theft occurred. The liability coverage provided by the policy covers the insured away from premises. These all are general statements and there are exclusions so the policy should be consulted.


Can a client sue their home owners insurance if they themselves have a serious accident in the home?

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What Is Required In Wisconsin?

Wisconsin is home to several of the country's dairy producers. Drivers in the state not only have to deal with the dairy farms, but they also must deal with insurance rates that are sometimes higher than those in other states. The rates are regulated by the Financial Responsibility Law. Drivers must have a minimum amount of insurance that will cover other drivers who do not have insurance, as well as enough to cover personal and property damage. Anyone who drives a car in the state has a responsibility to pay for the expenses if they are involved in a car accident. If the amount is more than the coverage they have on their insurance policy, that money will be paid form the driver's own pocket. An important part to an insurance policy in the state is bodily injury liability. This coverage pays for any lost wages or medical bills that the other driver incurs after an accident. Expenses are paid even if the driver was someone in your home who was driving your car without your permission. A minimum of $25,000 is required for bodily liability. An amount of $50,000 is required if there is more than one person involved in a car accident. In the event that you want to let someone drive your car that is not on your insurance policy, you will be protected because the state requires that drivers carry uninsured motorist insurance. If you are in an accident and the other driver does not have insurance, then you will be covered under this part of your policy. You are also protected if there is an accident and the driver leaves the scene. The amounts of insurance coverage are only a minimum through the state. You can get more coverage if you feel you may need it. Parents who have teenage drivers may choose to carry more coverage while their children are living at home. Older individuals are another group that may want to consider having more coverage in the event of an accident. Most policies in the state only pay for medical expenses from an accident during the first year after the accident has occurred.


Does homeowners insurance cover personal injury that occurred outside the home?

No, Homeowners Insurance does not provide personal injury coverage away from the home. You should file an accidental injury claim with your Health / medical Insurance provider.


What does Date of loss mean with auto insurance?

DOL, or Date of Loss, indicates the calender date of an accident or the date that the loss occurred.


A Guide to Understanding New York's Auto Insurance Requirements?

Many drivers who drive on New York roadways have questions about the Empire State's auto insurance requirements. This is not surprising because New York State is a "no-fault" state that allows people to recover damages for auto accidents without having to identify who was at fault for the accident. As a result, here is a handy consumer guide that can help drivers understand the minimum insurance requirements that are imposed on New Yorkers.New York drivers must purchase coverage from a licensed auto insurance provider.All auto insurance providers in New York must obtain a valid vendor's license from the New York State Insurance Department. Drivers may obtain a free copy of licensed auto insurance by visiting their local branch of the New York State Department of Motor Vehicles.New York drivers must purchase minimum bodily injury and property damage coverage.For example, drivers must obtain at least $50,000 of bodily injury liability insurance coverage to cover injuries sustained by each person who was injured during a single auto accident.. At least half of this amount must be set aside to cover the injuries sustained by one person who is injured in an accident. Moreover, New York drivers must also purchase $50,000 of personal injury coverage that cannot be combined with one's bodily injury liability insurance coverage.Drivers in New York must purchase at least $10,000 of property damage coverage.This coverage must include provisions for covering buildings and vehicles that were damaged in an accident. Moreover, the coverage must also provide provisions for property damage that was sustained by acts of vandalism or inclement weather.Drivers must also purchase uninsured driver insurance coverage.This coverage must provide at least $50,000 of liability and causality coverage for each accident that is the result of an uninsured driver's reckless behavior. Moreover, at least half of this coverage must be used to cover one person's injuries that occurred in the accident.New York State also requires auto insurance companies to report insurance gaps and claims.For example, New York State requires auto insurance companies to report immediately any policies that have expired. This provision was put in to place to prevent drivers from purchasing a policy and immediately cancelling it.Finally, auto insurance companies are also required to report any claims made by drivers for damages sustained in an auto accident. This provision was included to help drivers file claim requests for auto accident-related damages efficiently.For more details about these requirements, please visit the nearest branch of New York's Department of Motor Vehicles for a more detailed list of these requirements.


Is there a lapse in coverage on an insurance policy if the policy was cancelled and then reinstated?

Technically, the policy lapsed. If a covered loss occurred before reinstatement, the insurer would arguably be justified in denying coverage. However, if the reinstatement was retroactive to the lapse date (which would probably occur if the reinstatement occurred quickly), and if you have been with the insured for some time, coverage may be extended to the intervening loss.


What will be the active voice of The incident was occurred suddenly?

Suddenly an accident occurred.


Can you file a police report 2 weeks after the accident?

If the accident was reported to the police at the time it occurred, I believe a report can be filed, although it should have been filed ASAP. Check with your insurance company and state regulations.


If someone gets in an accident exchanges insurance information doesnt call the police for a report and leaves the scene of the accident can a misdemenor or felony be charged to that person?

No, the accident occurred between the two parties, a police report is not necessary. Your insurance company can take the information regarding the accident. A police officer may write a citation based on the story that is told, but he cannot testify that he witnessed the accident so his involvement is generally useless.


Will a insurance company fix damages to a vehicle that was covered at the time of an accident but then is later removed from the policy?

Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.


What insurance will cover dog bites?

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Is homeowners coverage liable for injuries to guests on trampolines?

Bear in mind that most companies strictly prohibit coverage for homeowners who have a Trampoline. Generally when the Home Insurance Company discovers that you own a Trampoline they cancel your policy. whether an injury has occurred or not. If you have homeowners liability coverage, and you do not have a trampoline exclusion, then yes, liability would cover non-household members. Be prepared though to have your insurance cancelled.