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Q

If I was in an accident and my car insurance dropped me, can my new insurance company cover the cost of my accident?

A

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.

Last updated: Jul. 28, 2016
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Penny Gusner Consumer Analyst
Penny Gusner has been working in the insurance business for more than 10 years. She researches your questions, from the routine to the bizarre, with equal enthusiasm. Read More

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