Who pays for my car accident if I'm dropped after the incident and have a new insurance company?

Why you should trust Insure.com

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Your old insurance company dropped you after your accident, right? If so, it is the still the one on the hook for paying out for your car accident. You make your accident claim with the company under which you had coverage at the time of the accident.

Liability insurance will cover damage to others if you were at fault for the accident, and collision coverage will pay for the repair of your vehicle, regardless of fault.

Your new car insurance company will take care of any claims for incidents that occur after the inception date of that policy; it will not cover past accidents or damages.

If your old insurance company dropped you before your accident and you obtained coverage with a new company after the accident, then you had a gap in coverage and have no insurance provider to file claims with. This is a bad place to be since you would have to pay personally for any damages, to your car or others, if you were at fault in the incident.