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When does an auto insurance policy take effect if you get into an auto accident at 2am and start an insurance policy at 8am?
Wiki User
∙ 16y ago
The policy was only incepted at 8am so it will only cover you from 8am onwards, you would have been classed as an uninsured driver at 2am! INsurance companies wont pay out on claims which happen hours before you start a policy with them!!
Wiki User
∙ 16y ago
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If your car got hit when parked and at the time of the accident you did not have insurance but did get some soon after can you make a claim?
No. Auto insurance takes effect on the day you start the policy, and like any other insurance, it is too late after an accident has already occurred. Many companies will require that you bring the car for inspection for the very reason of preventing people from making claims for existing damage. Even if this was not required when you started a policy, it would be considered insurance fraud to file a claim for existing damage.
What auto insurance carrier uses policy numbers that start with auto?
It's very difficult to tell what company uses certain prefixes on their policy numbers. Many companies have multiple prefixes and some companies use the same as other companies. They also wary from state to state. If the insurance company name is not listed on accident report contact the policy officer and he may have it in his notes but not on the accident report. Otherwise start calling agents in the area where the person lives.
When does long term care insurance begin?
Long term care insurance typically begins once the policy is in effect, which is usually after the premium payments have been made and the policy has been issued. The specific start date can vary depending on the insurance company and the terms of the policy, so it's important to check the policy documentation or consult with the insurance provider for the exact details.
What are some insurance companies that start with the letter c?
Colonial Life & Accident Insurance Company is an insurance company. It begins with the letter c.
Where can one purchase a travel insurance policy?
There are many sources for anyone who wants to purchase a travel insurance policy but the best place to start would be by contacting the insurance company an individual already has a policy with and to ask for a recommendation from them.
I am looking for a auto insurance company's policy start with PANJ?
Essurance
Will it be cheaper for me to add the new car to my current policy or for me to get a new policy to cover both cars?
It all depends on the insurance company you are with, each is different. In most cases it is cheaper to add a vehicle to existing insurance policy rather start over with another insurance policy.
What can a person do to pay for a vehicle damaged in an accident while their insurance was lapsed?
start making payments
Where can you get home insurance after your policy has been cancelled due to a claim?
You will have to start calling local insurance agencies. Someone will provide you coverage and if no one will you can call your state's insurance commission and ask about an assigned risk policy.
What happens if you are in an at fault accident and you have a suspended licence and no insurance?
You start looking for a good lawyer or a great priest.
What is one of the best motor cycle insurances?
The best place to go for insurance on your motorcycle is to check locally. Start by contacting your personal insurance company that hold your auto insurance policy and this way you can apply for a multi-policy discount.
If another driver has an accident in your car will your insurance company add that driver to your policy?
The other driver is not "added to your policy". However, the other driver will be covered by your policy for this accident provided certain conditions are met. 1. The vehicle cannot be available for the regular use of this other driver, which is to say the policy will cover them so long as they are merely borrowing the vehicle. 2. The other driver must have the permission of the owner of the vehicle to drive it. Insurance will not cover someone, for example, who wrecks a car after stealing it. Note that if this temporary driver is insured with their own policy, their policy would only come into play if damages exceed the limits of your policy. As you note in your question that the temporary driver was added to your policy, I must assume that this person is someone who you did not report to your insurance company as a driver but they should be on your policy, i.e. someone who has the regular use of your vehicle. Insurance companies handle this situation in differing ways but some will add a driver to the policy as a courtesy to their insureds. Those that do this will first look into that driver's record to determine what premium they would have charged to cover this person had this person been on the policy from the start. So long as the premium increase would not have been more than a certain percentage, say 30%, they will provide coverage for the accident, add the driver and charge the added premium amount for the added coverage. However, if the premium increase were more than this certain percentage, they may not only deny coverage for this accident, but also rescind the policy - meaning the policy is null and avoid. They can do this because one of the conditions of insurance is that the insurance cannot commit a material misrepresntation, such as misrepresenting who and what is to be insured.
