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If the insurance company had to pay anything for damamges, then they will raise your rates for it. An accident will be on your record whether At Fault or not and whether or not you got a ticket. Changing insurance companies may not save you much money. If you can get documentation proving the ticket was voided and your driving record is clear, forward it to your insurance company. If they refude to take it into consideration, file a compaint with a supervisor or a general director of the company. If that fails, you might want to think about shopping around.

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โˆ™ 2006-03-09 20:42:39
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Q: What can you do if you had an accident and a ticket was given but later cancelled and there is no violation on record but the insurance company is still surcharging for the accident?
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What can you do if your insurance is cancelled the same day you get in an accident and total your car?

Depends on when it was cancelled. Before or after the accident? When did you get the cancellation notice? If you were cancelled before, then obviously you were uninsured. If the accident was your fault, then any costs are yours alone and not the insurance company's.


What happens when you have insurance at the time of an accident and then it gets cancelled does the insurance still cover the accident?

Yes it does. The cancellation of an insurance policy is not retroactive.


Can you report an accident or claim after your insurance is cancelled even though you were insured at the time of accident?

Yes.. but make sure you have good documentation with dates on the accident reports.


Will your auto insurance increase if you get into an accident with a friend's car?

Not unless you received a violation for the accident. Otherwise it will show on your record as a not at fault accident and should not raise your rates.


What happens if you are in accident and pending cancellation of insurance?

If the policy was "pending cancellation" and had not yet cancelled there is no problem as far as coverage. If the policy was in effect at the date and time of the accident then the company will pay the claim. If it had already cancelled you are in serious trouble.


How much does car insurance raise after a red traffic light violation?

Each insurance company has their own policy, therefore you would need to check with that particular company. Was there an accident? What state did the violation occur? Do you have a license for that state?


What is SR22 Car Insurance in Illinois?

Anyone who has been in an accident or had a traffic violation and was unable to show financial responsibility are required to carry a SR22. It is basically showing that you have specific liability insurance.


How important is it to have accident insurance?

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.


If your 16-year-old daughter causes a small accident with no injury how much will your rates go up or will the family policy be cancelled?

They shouldn't cancel your plan I was in an accident when I was 16 and we kept the same insurance. As for how much it goes up depends on which insurance company you have.


Can you get insurance at the scene for a accident?

Trying to get insurance to cover an accident that has already happened is Insurance Fraud, which is a Felony.


What companies offer accident forgiveness insurance?

Allstate, Liberty Mutual, GEICO, and Nationwide offer accident insurance to customers seeking accident insurance.


What to do if your insurance was cancelled due non payment. 1 month later you get into a 6 car accident that was caused by a drunken driver which ended up being a hit and run?

Once your policy was cancelled you no longer have coverage. Hopefully the drunk driver has good enough insurance to take care of your damages.


Know the Insurance Requirements in New York City?

If you are a driver in New York City, then there are some things you might not know about auto insurance that are important. New York City is one of the busiest cities in the country, so if you don't have to drive, then try using public transportation. However, if you need to drive a car, you will be required to have insurance coverage on the vehicle.Thinking that you can drive a car in the city with no insurance is like thinking you can drive without a seat belt. If you are pulled over for any violation and the officer finds that you do not have coverage, you can be given a citation or a ticket. If you have more than one violation, you may find yourself in jail. You will also not be covered if you are in an accident if you do not have insurance. Sometimes drivers cannot afford the most expensive insurance coverage, and this is alright. The minimum coverage that you need is $25,000 for one person and $50,000 for others that are involved in the accident if they are injured. Property damage minimums are $10,000. This means if you have an accident and you do more damage than what you have covered, you may have to pay the balance out of your own pocket. Some drivers go ahead and get the higher coverage so they know they will be covered if anything severe happens while they are driving.Drivers often worry if they will have their insurance cancelled. New York City does not cancel insurance unless there are circumstances that demand for the coverage to be cancelled. One of the reasons insurance would be cancelled is if your driver's license has been suspended. You should also be truthful with your insurance company. If they find out you have lied about anything on your policy, they can cancel your insurance, and it may be hard to get a new policy in the city.


What is the worst that can happen if you let someone with a suspended license drive your car?

They'll have an accident that is their fault, the insurance company will refuse to pay, the driver of the vehicle and the owner will be sued for everything they own and then some. Or they will be in an accident that is not their fault but the person who owns the vehicle will have their insurance cancelled and will have to pay a fortune for future coverage.


What does personal accident insurance cover?

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.


How many points is an unsafe lane change ticket in ca?

This is normally 1 point for this type of violation unless there also was an accident involved at the same time. If there was an accident you will be charged 4 points for the total on your driving record but only 3 points for your insurance record with most insurance companies.


What is the monthly accident insurance cost for a healthy man that is 31?

Accident insurance is typically very cheap because it restricts coverage to a claim involving death resulting from an accident which has a low statistical probability. Whether or not a man is "healthy" is of no relevance for "accident insurance". There are actuarial tables available that show the chance of death by accident by age and gender. If you are asking about "accident insurance" that will replace your income if you are hurt in an accident, that is typically very cheap as well. I am certain that you can get instant online insurance quotes for "accident insurance" if you use a search engine to seach the phrase "buy accident insurance"


Can an accident claim be filed with your insurance and the other's driver's insurance for the same accident?

yes yes


What is the purpose of the accident plan?

It could be an insurance policy taken out with an insurance company in case of an accident.


Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?

If the car that was involved, in an acident was insured yea!


What happens if an accident is your fault and you have have insurance?

When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.


What has the author George H Kline written?

George H. Kline has written: 'Regulation of mail order accident and health insurance' -- subject(s): Accident Insurance, Health Insurance, Insurance, Accident, Insurance, Health, Mail-order business


What should you do if after a car accident your insurance company claims they did not receive your payment and sent you a cancellation notice but you did not receive it?

Several answers apply here. First did you move and if so did you send your insurance company a change of address? Secondly did the accident take place before or after the effective date of cancellation? Insurance companies don't have to prove you received the cancellation notice, they only have to prove they mailed the cancellation to the last known address you provided them. If you move and do not send them a change of address, you are in trouble. Lastly, did you pay the insurance premium for which they cancelled you? If so produce your cashed check and they will have to reinstate your policy by most state laws. If you did not pay as required, then they cancelled you for non payment, and in all likelihood you are cancelled and have no coverage. If the accident took place before the date of cancellation, go see an attorney.


What can you do if your auto insurance was cancelled 3 days before your son had an accident you did not get a notice or know it was cancelled until you called to let them know about the accident?

Unless the insurance was cancelled for an unsubstantiated reason, there's not much you can do as far as law enforcement is concerned. You should have received notice of the impending cancellation, but it's not grounds for fighting the cancellation itself; it is assumed that you know you should be up to date on payments and aware of any situations that might threaten your coverage. It's a case of bad timing, really. At the time of the accident, the vehicle was uninsured and law enforcement (and the courts) don't usually go out of the way to hear excuses.


What does it mean when someone is excluded from an auto insurance policy?

By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.