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Auto Insurance Claims/auto collision coverage

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Expert: - 6/13/2011


Question
We removed Collision coverage from vehicle 2 months ago, after several years of payment. Collision-(rear ended vehicle)Accident occurred in morning 9am, call insurance to ask if I add collision when is it active? Told it is retroactive to this morning 12:01 am. Am I covered for the accident or not?

Answer
Hi Valene,

You can not buy coverage after an accident has occured. That woulkd be like buying homeowners insurance after your house has caught on fire. That would be considered to be insurance fraud. Coverage is generally effective at the time you purchase it if you want coverage on the same day. If you seek a future effective date, it will be effective at 12:01am on that future date.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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