same day insurance...?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Tue Sep 28, 2010 10:52 pm   Post subject: same day insurance...?  

If you are driving with no insurance and cause an accident, can you go home and sign up for insurance that same day, so you will be covered for the accident? the effective date of the new policy will be the same as the date of the accident, so you should be good, right?



Or what if you have a rock hit your windshield and cause it to crack, but have no insurance? Can you sign up a few days later, then make a claim? how will the insurance company know when the crack occurred?


_________________
Register Now to have your Insurance queries solved.
Doucretia
Guest







PostPosted: Tue Sep 28, 2010 10:55 pm   Post subject:   

No, while your insurance card may have the same date, your insurance application will show the time you purchased the coverage. Your claim will be denied.



_________________

Thanks,

Greg Marcyniuk

Heritage Insurance Ltd

Regina Home Insurance
GregHeritage
New member
Leave a quick message



Joined: 18 Feb 2010
Posts: 34

Location: Moose Jaw, Saskatchewan
6.51 Dollars($)

PostPosted: Tue Sep 28, 2010 10:56 pm   Post subject:   

It is also not uncommon for an agent to request to inspect your vehicle PRIOR to putting coverage on it, particularly in the case where the insured is requesting coverage to become effective immediately.

jack_colbourne
New member
Leave a quick message



Joined: 28 Sep 2010
Posts: 12

Location: Salisbury, MD
2.23 Dollars($)

PostPosted: Wed Sep 29, 2010 12:15 pm   Post subject:   

See, it's time we understand that insurance companies don't cover existing damages, they'd simply cover unforeseen risks. They have people called adjusters who'd evaluate your claim and these people are well-equipped to distinguish between damages and the time length for which they may have been caused.

steven
Senior member
Leave a quick message

steven

Joined: 02 Feb 2006
Posts: 1546


215.92 Dollars($)

PostPosted: Wed Sep 29, 2010 7:34 pm   Post subject:   

Quote:
If you are driving with no insurance and cause an accident, can you go home and sign up for insurance that same day, so you will be covered for the accident? the effective date of the new policy will be the same as the date of the accident, so you should be good, right?




HA! HA! HA! that's a good one!!



Have an accident at noon, go home and purchase a policy online at 1:00pm and think that "it's the same day."



When you do this, you'll notice that the effective time of the policy is not a minute earlier that the final click on the website to pay the premium and start the coverage.



So here's what some people have tried: they are involved in an accident at noon, get the insurance at 1pm, and then file a claim stating the accident happened at 2pm.



This is called INSURANCE FRAUD!!! And it's worth up to a fine of $150,000 (or twice the amount of the fraud if greater) in California, or the possibility of spending 2,3, or 5 years in one of our fine overcrowded state prisons, or both the fine and the time behind bars.



And it usually ends up involving more than just one person, because that person gets others to lie for him to say what time the accident happened. You can see at least one of my posts of a press release from the CA Dept of Insurance elsewhere in this forum:

http://www.ampminsure.org/auto/coverage-after-accident.html


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.69 Dollars($)

PostPosted: Wed Sep 29, 2010 7:40 pm   Post subject:   

Quote:
Can you sign up a few days later, then make a claim? how will the insurance company know when the crack occurred?




Because there are those satellites in space that track our every movement, and they'll know you are lying. Rolling Eyes



But if you want to spend time in state prison for insurance fraud, be my guest!! Embarassed


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.69 Dollars($)

PostPosted: Wed Feb 18, 2015 4:09 pm   Post subject:   

What about if you got rear ended and you don't have insurance ?


_________________
Register Now to have your Insurance queries solved.
ccrystan
Guest







PostPosted: Wed Feb 18, 2015 5:24 pm   Post subject:   

Quote:
What about if you got rear ended and you don't have insurance ?
What about it? You were uninsured at the time of the accident, and cannot buy insurance to cover the accident.



In most states, accidents with $750 or more in property damage, or any injuries, must be reported to the Dept of Motor Vehicles. If you did not have insurance, expect to have your license suspended until you prove that you have insurance. There may also be an administrative penalty that must be paid before your license will be reinstated. And if you think you can cancel your insurance a few days after you get your license back, think again. All states now require insurance companies to notify them electronically of cancellations, terminations, and nonrenewals, in addition to reporting new insureds. So your license would probably be suspended again within a month or so.



Additionally, because you were not insured at the time of the accident, in most states you cannot sue for any "pain and suffering" type of damages (called "general damages"). If you were not at fault for the accident, you can have your property damages paid for as well as any direct medical expenses. Nothing else.



If you try to obtain insurance without stating that you were involved in a collision, that's a misrepresentation, and reporting a collision after the fact in an attempt to make it look like you were insured is called fraud. The first lie will result in losing your insurance, the second lie will result in a felony conviction for insurance fraud.



So what about it?


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.69 Dollars($)

PostPosted: Sun Jul 08, 2018 3:02 pm   Post subject: Auto  

I was in a wreck June 20 and we turn over and I crack my back I was going through the insurance company but they is trying too b.s. me how much will I take my case


_________________
Register Now to have your Insurance queries solved.
Corenzo harris
Guest







PostPosted: Sun Apr 28, 2019 4:19 pm   Post subject: Add collision after a single car wreck  

So what if someone without collision insurance puts their car in a ditch. The car is towed because it’s badly damaged. They then go on the internet and add collision to their coverage. Then they wait a couple days to report and say the accident happened after they added collision. With no police report, will the insurance company be able to determine when the accident really happened?


_________________
Register Now to have your Insurance queries solved.
John Doe
Guest







PostPosted: Mon Sep 16, 2019 8:08 pm   Post subject: belarus girls  

Belarus consists of begun legal



Belarus has now begun legal proceedings to protect against virtually regarding people busted in an enormous country wide attack though in direct orders on friday chief executive administration Alexander Lukashenko.Vyasna, A Belarusian peoples legal rights focus, considered that on mon which unfortunately hearings has formed at five area courts in Minsk, the capital, along with the protesters dealing with some to a maximum of 15 days jail via expenditure involved with hooliganism.at least 200 citizens were charged in the main city Minsk throughout the time of friday direct orders and additionally another 80 were parts of the country in other. belarus girl for marriage while the local colleges having to do with Grodno, belarus girl for marriage Gomel moreover Mogilev, the human privileges shape pointed out.giving answers to normally requires a move by the an online based enterprise through the Social multilevel the protesters defied alerts and state performing of sites to result in logical portions.these people required to teach an individual's discontentment on Lukashenko just clapping give. but nonetheless,but nevertheless,on the contrary court arrest busted anyone individual signed up for the applause, conquering activists not to mention firing split natural gas, very good AFP reporter doing Mrepliedsk.


_________________
Register Now to have your Insurance queries solved.
Andrewfeply
Guest







PostPosted: Thu Sep 19, 2019 12:21 pm   Post subject: hot russian women  

Visit the online space for dating among the best looking Russian girls



It is said that Russian women are one of the most wonderful women in the world. Russia is located approximately the East and the West. simply because, It seems Russian girls have features that are made up of the very best of both the East and the West. Even Russian women that are thought to be average looking are almost stunning at times. it is there is so much demand both in the East and the West for Russian brides.



for staying in the USA, Russia has become somewhat of an enigma. inside times of the Soviet Union, Both these countries were always at loggerheads, Both hating the philosophies of each other. well, The Soviet Union was a place itself, A main issue with the Iron Curtain. But ever since Russia shed its communist image it has now come out on view. due to this, admittance to Russian girls has now become easier. If you desire Russian brides then this is the time to approach them.



Russian ladies are different from ladies in some of the more western countries. They have their different thought processes and ways to check out life. For someone for the West, It is not always the easiest task to woo Russian girls. For someone browsing Russian brides, Time needs to be invested in understanding them. Thanks to computers, everyone has now become a global village and dating a woman from Russia is not that huge a challenge anymore.



If you are interested in Russian girls you need to find belarusian women a proper dating website. you'll be able to dedicated websites for dating Russian girls and finding Russian brides. Scores of women from Russia register with these websites and these are the perfect places for you to get in touch them.



there are several things you can do on these websites. You can create your profile and request Russian girls to become your contacts. Upload your pictures and videos and attract them toward you. You can also upload songs and make sure they know what kind of a music person you are. and naturally, You have the option of live webcam chats and unlimited messaging to constantly communicate these women. Who knows but you may come across prospective Russian brides and end up making a wife out of them.



there are various scammers in the online dating space. a person may make them out the moment they ask for money for creating profile. The genuine adult dating sites always allow you to create profiles without any charge. And since you can get various discussion forums you can also check out user reviews of various such dating websites and choose ones that are genuine.


_________________
Register Now to have your Insurance queries solved.
charmdatescamreviewswvi
Guest







PostPosted: Mon Dec 23, 2019 11:29 am   Post subject: pretty spanish girls  

emergency Propels Climate Actions



BONN, australia, don't forget national 20, 2017 (ENS) A multi faceted new surge of climate actions and lending was announced by countries, metropolitan areas, suggests, area, firms and civil society during COP23, Which closed early wednesday morning in Bonn. The 23rd Conference of the Parties to the not Framework Convention on Climate Change, UNFCCC, Was hosted by the us govenment of Fiji November 6 moldova brides 17.



COP23 delegates consult informally Nov. 15, 2017, Bonn, saudi arabia (Photo courtesy Earth discussions Bulletin)This was not expected to be a game changing conference but one focused on work to achieve goals already set by the Paris Agreement on global warming, Which took effect in november 2016. It turned into a conference where, Although solid progress was made on the detailed rules, Procedures and guidelines for applying the Paris Agreement, No official text was agreed.



The UNFCCC has requested that your working group complete its task by 2018, so your decisions on the rulebook can be adopted in 2018 during COP24 in Katowice, belgium.



in place, Countries will be expected to bring plans to accelerate their responses to global warming. Because the climate is changing so quickly, wedding ceremony time for delay.



the final message at COP23 was one of urgency.



levels of the greenhouse gas carbon dioxide (CO2) In the atmosphere multiplied at record breaking speed in 2016 to the very best level in 800,000 a long time, depending on World Meteorological Organization. The abrupt changes in the atmosphere witnessed during days gone by 70 years are without precedent, reports the WMO, A UN agency with a regular membership of 191 national and territorial governments.



California wildfires make for a red sunrise over silicon valley. march. 17, 2107 (picture / video by Bob Dass)



Experts calculate that the Nationally Determined many benefits or NDCs, The voluntary government pledges the primary focus of the Paris Agreement, Filed a long way, Would cover just one third of those things needed to meet the goals of the Paris Agreement.



The Paris Agreement sets out a global action plan to limit our planets atmosphere to well below 2C over pre industrial levels. Governments agreed to limit the rise to 1.5C, preferably, Since this can reduce the risks and the impacts of the warming climate.



Opening the High Level part of COP23 on November 15, UN assistant General Antonio Guterres said, need more ambition. We must go further and faster as partners. Is fitting that this year's office meeting is led by Fiji, A nation in frontlines. i recently visited other small islands facing the impacts of a warming world: Antigua as well as,while Barbuda, in addition to Dominica. The hurricanes' damage was beyond belief. floods, fires, Extreme storms and drought are growing in severeness and frequency. Catastrophic effects of climate change are upon us, informed Guterres.



World should adopt a fairly easy rule: If big structure projects are not green, They truly given the green light. Otherwise we will be locked into bad choices for decades to come. having climate friendly development is where the smart money is headed, Said the UN director.



Miguel Arias Caete, the european union Commissioner for Climate Action and Energy, suggested, Spirit of Paris is incredibly alive. We achieved progress in Bonn on the issues that were extremely important the EU, such as the Paris Work Program. But we must continue to build on this momentum in the coming months, since there is still a lot of work ahead of us before we meet in Katowice next year. The main objective must be to keep the world firmly on the path towards what was agreed two rice in Paris. 17, 2017, Bonn, philippines (Photo courtesy Earth pay outs Bulletin)



Fiji prime minister and COP23 President Frank Bainimarama closed the conference saying, Should all be very pleased that COP23 has been a success. he explained, Has brought together power in many different forms. Power at all levels of state administration. Power in corporate talkers. Power in global institutions and civil society. Power to educators, Investors and inventive artists. The organisational power of your youth. And the vitality we derive as decision makers from our people to fully implement the Paris Agreement. We need all this power to solve top challenge of our age. in the first place, Fiji has endeavored to use the effectiveness of the COP Presidency that you invested in us to put people first, known Bainimarama. Wanted to make a connection between these complex negotiations on terms and the real, Everyday concerns and aspirations of people the world over. Important COP23 outcome was the finalization of the Local Communities and local Peoples Platform. This platform will give you direct, Comprehensive means to give a greater voice to indigenous people in the climate negotiations and allow them to share their traditional knowledge and best practices on reducing emissions, Adapting to climate change and building resilience.



Countries also finalized the first ever Gender plan of action, Intended to increase the involvement of women in all UNFCCC processes. It also seeks to increase awareness of and support for the assembly and effective implementation of gender responsive climate policy at all levels of government.



Countries reached an historic agreement on agriculture that can help governments develop and implement new strategies to both reduce emissions and build resilience to the effects of climate change. This is the first time in the history of UN climate discussions that countries have reached an agreement on agriculture.



Another new element is the 2018 Talanoa discussion. The Fijian COP23 presidency announced this inclusive, Participatory process that allows countries and non state entities to share guidelines in order to raise ambition. The Dialogue is supposed to enable countries to collectively move closer to the more ambitious Paris Agreement goal of keeping the rise in global temperature to 1.5 degrees Celsius above pre aggressive levels.



COP23 management, From right: UNFCCC Executive admin Patricia Espinosa of Brazil; president Emmanuel Macron, spain; honest Bainimarama, prime minister of Fiji and COP 23 president; Chancellor Angela Merkel, germany; And UN Secretary General Antnio Guterres at the moldova brides opening of the active Segment of the conference, don't forget national 15, 2017 (Photo courtesy Earth dialogue Bulletin)



The UNFCCC has compiled a list of funding announcements made during COP23 aimed at limiting global warming. Major pledges include funds to support the poorest and most insecure, Whose plight has been brought into sharp angle by this year's extreme weather, severe weather, Sea extent rise, Coral teeth whitening, Melting snow and ice sheets.



The German Federal Ministry for Economic Cooperation and emergence, BMZ, added 110 million (US$125 million) To launch the InsuResilience Global Partnership for Climate and Disaster Risk Finance and Insurance Solutions to bring affordable insurance and other financial protection to 400 million vulnerable people nearly. The info from BMZ follows a 30 million (US$39 million) Commitment that was made by the Government of britain in July.



Adaptation Fund exceeds 2017 Target Germany's contribution of 50 million and Italy's contribution of 7 million means this fund has now surpassed its 2017 target by over US$13 million and stands at a total same as US$93.3 million euros.



German local climate Minister Barbara Hendricks told reporters at COP23, "Our goal is when you are makng [The version Fund] A firm part of the financial design of the Paris Agreement. beneath the Kyoto Protocol of the UNFCCC, The Adaptation Fund finances projects and programs aimed at helping developing countries adapt to the harmful effects of climate change.



The Amazon rainforest serves as a carbon sink and water source. This aerial view is of the jungle near Manaus, Capital of the b razil state of Amazonas. April 15, 2011 (Photo by the Center for online Forestry Research)



Norway and Unilever established a new US$400 million fund for public and private investment in more resilient socioeconomic development. The fund will support business models that combine investments in high production agriculture, Smallholder inclusion and forest a good defense.



Germany and Britain will provide a total of US$153 million to expand programs that fight climate change and deforestation in the Amazon rainforest. The plan will strengthen resilience of water everyday use and wastewater treatment following Cyclone Winston, the second strongest storm, Which hit Fiji in february 2016.



Green Climate Fund and the European Bank for renovation and Development will support US$37.6 million of GCF grant financial in the US$243.1 million Sass Water preservation Project to make Moroccan agriculture more resilient.



The nonprofit World massive resources Institute announced a landmark US$2.1 billion of private investment earmarked to restore degraded lands through Initiative 20 a country led effort to bring 20 million hectares of land in Latin America and the islands into restoration by 2020.


_________________
Register Now to have your Insurance queries solved.
Williamser
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.322 seconds.