same day insurance...?

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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?


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Doucretia
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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.



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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.

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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.

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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


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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


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

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


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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?


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