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? View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.comUpdated on: July 28, 2016 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 What happens if you keep auto insurance claim money instead of making repairs? Car insurance claims: Who gets the claims check? Does insurance cover damage from road debris? 7 magic words to expedite insurance claims Want to sue your insurance company? Here's what will happen "What insurance companies say about you" series: Your C.L.U.E. report 16 non-crash car injuries -- and whether insurance covers them Are insurance settlements taxable? How your state's Unfair Claims Settlement Practices Act can help you 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 See more > In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 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? Used car insurance costs: Most and least expensive models to insure 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 your auto insurance policy A complete list of 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 ZIP Code Please enter valid ZIP See rates