Every insurance policy has what is called a claims tail, its like a statue of limitations, I would make the claim without regard to how long ago it was, and a good reason for doing so is that you had no idea that you would need to use gap coverage and you just found out.
Of course not. The date and time that you took out the insurance policy is the earliest time that coverage starts. You cannot make a claim that occured before the coverage started. If you lie on the application or on the claim report whether verbal or written you have committed insurance fraud and are subject to prison and large fines.
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