When does an auto insurance policy take effect if you get into an auto accident at 2am and start an insurance policy at 8am?

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.

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.

* marry someone * start a $1M life insurance policy on them. * kill that person and make it look like a suicide or accident. * file a claim and get your $1M.

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.

Colonial Life & Accident Insurance Company is an insurance company. It begins with the letter c.

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.

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.

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.

You start looking for a good lawyer or a great priest.

"In order to start a new standard insurance policy, you must be have the legal rights to do so. You must be a licensed insurance agent with at least five years of experience. After that, buy a franchise and location. You may also need a business loan."

Many states operate an insurance commission that regulates the insurance industry. The Yellow Pages may be a good place to start when looking for a local insurance agent.

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.

American Centuries Casualty insurance Company (AKA ACCC) has some policies that start with TXE.

The owner of the car and their insurance company are responsible for paying for the damages as a result of the accident. To avoid this problem, you can start hiding your keys.

There are many different medical insurance companies out there that will offer an insurance policy for your cat. In Canada the best place to start would be ASPCA Pet Health Insurance.

The hartford has policies that start with PA. Also State farm has policies that start with P.

Locate the name of the insurer that issued the policy; from there you can contact the insurer to start a claim, even the policy number is unknown. Search through files, safe deposit boxes and other areas where your loved one might have kept insurance documents. If you can't find evidence of the policy there, try to find out the name of the life insurance company that issued the policy.

Gerber gives many families a kick start to their newborns life. Gerber offers Gerber Life which is a long term life insurance policy for the child. This life insurance policy is used by thousands in the US.

Homeowners insurance is typically a 1 year term policy, It has a start and end date. At the expire date (end date) the policy is expired. There is no grace period after expire. Typically you are notified prior to the expire date of policy renewal. If you do not renew the policy, It just expires on the end date.

Various state laws may limit what type of damages you can collect. Also, when you do start to shop for a policy your rates will be higher. In a no-fault state, each driver must seek compensation from their own insurer and your ability to sue for damages is limited.

I assume that you are talking about a life insurance policy or perhaps even a health insurance policy of some kind. The answer is the same either way. As all insurance companies are legal contracts the agreements are based on the conditions at the time the contracts were signed. The insurance company will not penalize anyone who starts smoking after the policy was issued. They will even reduce your rates and give you non-smoker rates if you quit smoking and can prove that you stay quit for a period of one year. The insurance company can provide testing to verify such. Both policies are the same as far as rates. Your price will not increase if you start smoking either.

Your insurance company should be able to transfer your policy for you without any problem,if they are a national company.

I am an insurance agent -- what address do we list for Mercedes Benz on a lease for the auto insurance policy? Leasing from a dealership in Chicago. Thanks.

The best place to start looking for renter's insurance is with your local insurance group that holds your auto policy. They are already familiar with you and your lifestyle so you will probably get a better rate with them for being a multi-policy holder within their company.

Most likely no, but a simple call to your insurance agent they should be able to easily change the effective date of your policy.