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Most insurance expires at 12:01 in the morning of the day it expires. If you are involved in an accident when your policy is expired, typically there is no coverage for the accident. It is safe to exchange information in case injuries are found later, or the insurance company can determine after the fact if there is coverage afforded or not. Making an immediate payment could reinstate coverage for the accident. Your policy could be cancelled and you would have a hard time getting insurance for a decent rate if this guy reports the accident. Hope that he doesn't and pay out of pocket if he needs a repair. You could also get a citation for driving without insurance so a lot of scary things could happen and it all depends on what this other guy does. I would follow up with him to be sure everything really is okay and work this out off the record.

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โˆ™ 2006-04-12 19:15:40
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Q: What will happen if you rear ended someone on the way to pay your insurance that had expired and the person who was hit said it was OK but wanted to exchange information?
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