Home Car insurance Car insurance claims If I was in an accident and my car insurance dropped me, can my new insurance company cover the cost of my accident? If I was in an accident and my car insurance dropped me, can my new insurance company cover the cost of my accident? By Insure.com | Updated on July 28, 2016 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. QuickTake Car insurance claims: Who gets the claims check? 7 magic words to expedite insurance claims Want to sue your insurance company? Here's what will happen 16 non-crash car injuries -- and whether insurance covers them "What insurance companies say about you" series: Your C.L.U.E. report Are insurance settlements taxable? Ultimate guide to insurance for hitting stuff in the road How your state's Unfair Claims Settlement Practices Act can help you Free money? Pocketing auto insurance claims cash rather than making repairs When is it too late to file a car insurance claim after an accident? Self-inflicted car insurance wounds: I crashed into myself! How to spot flood-damaged cars How long until I get my insurance money? Padding insurance claims hits everyone’s wallets They asked for what?! Insurers requesting tax, divorce and other documents You did me wrong: What to do before you sue your insurer Don't shoot yourself in the foot: When to file that auto insurance claim How to arbitrate a car insurance claim dispute Protecting your auto insurance settlement from your health care provider See more > In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1