"If you transfer auto insurance companies, can you report a claim on an feeble twist of fate beside the spanking new company?
This was an accident where on earth I accidentally scraped a mailbox, putting an indention into the side of my car...it is about a $1,500 repair; my weak insurance had a $500 deductible, but I never filed-and now I am wanting to shift companies. For lack of a better term, is this approaching having a pre-existing condition with medical insurance?
Answers:
You cant claim it on your new insurance. Your latest insurance company is going to take pictures of the car. Any pre-existing destroy on your vehicle wont be covered... Want a tip on how to weasel you way out of it.
File a claim with your current insurance company and as soon as you find the check, switch companies. Usually it will take 30 days for the claim to show up in the claims database so your different company wont know about it. ..meaning they wont charge you for it.
your meet : )
Oh.. and PS (for all of the people that are gonna administer me crap) there is nothing crooked about doing what I said. It's not your fault that the the claim isnt showing up surrounded by the system.
your strange insurance company is going to know you had the preexisting damage so they will not cover the make worse. so no...you can't file a claim with your present delivery service. you may be able to file a claim beside your prior carrier. any police report?...this will verify the date of loss which will prove you had an influential policy when the accident occured. if you don't have a police report you can still attempt to report a claim with your prior carrier underneath the policy that was active on the date of loss but nearby are no guarantees they will accept. part of "your duties" contained by your policy states you must file a claim in a conceivable amount of time. however, if you want the damaged covered it's still worth a try to report it. Source(s): claims adjuster
You will have to file the claim next to the insurance company you had at the time of the loss (assuming your premium was rewarded for). Your new insurance company will not insure you for lossess which occured before or after the policy occupancy. If you still have the same agent but basically different insurance company then file the claim beside the agent, they will know who to file it with.
You most imagined have an occurrence cause coverage. In other words, if a covered accident occurs during the policy spell, the claim will be covered, regardless of when the claim is submitted. For example, if the claimant was injured in an automobile misfortune caused by the insured only a few hours previously the policy period expired, the resulting claim would be covered, despite the fact that it might be submitted after the policy expired. Occurence policies do not decrease the time period during which a claim can be submitted. As long as the damage occur during the policy period, coverage applies even to claims made years later. Again, reach a deal to your agent and they should be able to take safekeeping of everything for you! Source(s): work for insurance company.
I have the same problem once - the company that was insuring the vehicle at the time of the incident is who is responsible for covering it.
Even if you canceled a policy, if you have something happen before the date the coverage concluded, they should cover it.
You can't claim it on your new insurance. You should check beside your old company and see if they have a statute of limitations, you may not know how to file with them any.
you absolutely positively cannot claim it on your new insurance. Thats approaching if someone had no insurance... hit a small family.. and after go insurance the next hours of daylight and expected it to cover the medical bills of the family they hit.. how would that be fair? No one would carry insurance until they needed it...
Insurance is only for accidents that come up within your policy period. You hold to claim under your own policy..
That would have to be file under the old insurance. The unknown company is not going to pay out on an accident you have before you moved the coverage.
Yes, it is kinda like a pre-existing condition. Source(s): I work within insurance in NC
you have to file beside the company that insured your car at the time of the accident, even if you own changed companies. There is a time limit on how long you can wait, but basically changing companies doesn't effect coverage.
Sure you can.. but it is called Fraud.
If you change your insurance company they one they issue you is valid from a correct date.. and not before. This isn't like robustness insurance where they take concern of itcy rash that you had ending week no matter how or when you got it.
You can, however, still produce the claim under the old policy, so cowboy up and lug the $500 hit. At least you will have your sports car fixed.
.
You can only profile a claim with the insurance that covered you on the date and time of the incident. And depending on how long ago this happened, it may be too overdue to file, especially if you are no longer a customer of the company.
Let's say your modern insurance policy will go into effect June 1st. Your new company will just cover accidents that happen starting June 1st. So, yes, it is approaching having a pre-existing condition. The only bearing around it would be to lie (which I do not reccommend) but then you subject yourself to insurance fraud if caught.
yes, it's like having a pre-existing condition beside your medical...
most insurance companies will take pictures of your car - as is right very soon - when issuing the policy.... just to avoid insurance fruad that you're suggesting....
your best bet is to get the repairs done and discharge your deductible.
Yes (to your second question)
You can not claim it as the accident happen prior to the effective date of your new policy.
You can still database with the old company (as long as it is inwardly their time frame for claims, 1 yr, 3 yr etc)
The claim is filed with the delivery service who insured your vehicle on the date of the accident.
You cannot claim it as you be not covered with the new company at the time of the incident.
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Answers:
You cant claim it on your new insurance. Your latest insurance company is going to take pictures of the car. Any pre-existing destroy on your vehicle wont be covered... Want a tip on how to weasel you way out of it.
File a claim with your current insurance company and as soon as you find the check, switch companies. Usually it will take 30 days for the claim to show up in the claims database so your different company wont know about it. ..meaning they wont charge you for it.
your meet : )
Oh.. and PS (for all of the people that are gonna administer me crap) there is nothing crooked about doing what I said. It's not your fault that the the claim isnt showing up surrounded by the system.
your strange insurance company is going to know you had the preexisting damage so they will not cover the make worse. so no...you can't file a claim with your present delivery service. you may be able to file a claim beside your prior carrier. any police report?...this will verify the date of loss which will prove you had an influential policy when the accident occured. if you don't have a police report you can still attempt to report a claim with your prior carrier underneath the policy that was active on the date of loss but nearby are no guarantees they will accept. part of "your duties" contained by your policy states you must file a claim in a conceivable amount of time. however, if you want the damaged covered it's still worth a try to report it. Source(s): claims adjuster
You will have to file the claim next to the insurance company you had at the time of the loss (assuming your premium was rewarded for). Your new insurance company will not insure you for lossess which occured before or after the policy occupancy. If you still have the same agent but basically different insurance company then file the claim beside the agent, they will know who to file it with.
You most imagined have an occurrence cause coverage. In other words, if a covered accident occurs during the policy spell, the claim will be covered, regardless of when the claim is submitted. For example, if the claimant was injured in an automobile misfortune caused by the insured only a few hours previously the policy period expired, the resulting claim would be covered, despite the fact that it might be submitted after the policy expired. Occurence policies do not decrease the time period during which a claim can be submitted. As long as the damage occur during the policy period, coverage applies even to claims made years later. Again, reach a deal to your agent and they should be able to take safekeeping of everything for you! Source(s): work for insurance company.
I have the same problem once - the company that was insuring the vehicle at the time of the incident is who is responsible for covering it.
Even if you canceled a policy, if you have something happen before the date the coverage concluded, they should cover it.
You can't claim it on your new insurance. You should check beside your old company and see if they have a statute of limitations, you may not know how to file with them any.
you absolutely positively cannot claim it on your new insurance. Thats approaching if someone had no insurance... hit a small family.. and after go insurance the next hours of daylight and expected it to cover the medical bills of the family they hit.. how would that be fair? No one would carry insurance until they needed it...
Insurance is only for accidents that come up within your policy period. You hold to claim under your own policy..
That would have to be file under the old insurance. The unknown company is not going to pay out on an accident you have before you moved the coverage.
Yes, it is kinda like a pre-existing condition. Source(s): I work within insurance in NC
you have to file beside the company that insured your car at the time of the accident, even if you own changed companies. There is a time limit on how long you can wait, but basically changing companies doesn't effect coverage.
Sure you can.. but it is called Fraud.
If you change your insurance company they one they issue you is valid from a correct date.. and not before. This isn't like robustness insurance where they take concern of itcy rash that you had ending week no matter how or when you got it.
You can, however, still produce the claim under the old policy, so cowboy up and lug the $500 hit. At least you will have your sports car fixed.
.
You can only profile a claim with the insurance that covered you on the date and time of the incident. And depending on how long ago this happened, it may be too overdue to file, especially if you are no longer a customer of the company.
Let's say your modern insurance policy will go into effect June 1st. Your new company will just cover accidents that happen starting June 1st. So, yes, it is approaching having a pre-existing condition. The only bearing around it would be to lie (which I do not reccommend) but then you subject yourself to insurance fraud if caught.
yes, it's like having a pre-existing condition beside your medical...
most insurance companies will take pictures of your car - as is right very soon - when issuing the policy.... just to avoid insurance fruad that you're suggesting....
your best bet is to get the repairs done and discharge your deductible.
Yes (to your second question)
You can not claim it as the accident happen prior to the effective date of your new policy.
You can still database with the old company (as long as it is inwardly their time frame for claims, 1 yr, 3 yr etc)
The claim is filed with the delivery service who insured your vehicle on the date of the accident.
You cannot claim it as you be not covered with the new company at the time of the incident.
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