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If I was in a accident during my time of coverage and I received a check for damages right before I went to cancel my policy before I paid to switch to another company would damages still be covered by my last company.

Yes, the check you have correctly covers your damage.

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The important thing here is that your policy with the last company was effective when the damage occurred. Whether or not you switch insurers after the accident shouldn’t affect your claim with the previous company.

Last updated: Jun. 9, 2013 Redesign Survey