can I still get car insurance after an accident

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Asked May 11, 2015

1 Answer

Many people are actually afraid to report accidents to their insurance company, although covering the costs of accidents is exactly what an insurance company is supposed to do. With the implementation of many laws that now require an individual to maintain car insurance or face legal consequences, many people now prefer to pay out-of-pocket for some accidents because they fear being dropped by their insurance company.

Insurance Companies Have the Upper Hand

The fact is that you can still get car insurance after an accident; however, it may be a little more difficult if you are dropped from your previous insurance carrier. Because insurance companies know that they have all of the leverage, they will attempt to gouge you if you try to switch after an accident. This is especially true if you allow your car insurance to lapse after the accident.

How to Protect Yourself After a Car Accident

In order to protect yourself from paying outrageous fees just because you asked an insurance company to protect you, you must take the following actions immediately after an accident:

First of all, get quotes from competing insurance companies as you report the accident. These quotes will be good for a specified period of time after they are given. Be prepared to move to another company immediately if your current company hints at dropping your coverage.

Secondly, do not be afraid to call your current company to task if they are violating their own terms of service. You must be vigilant in understanding the agreements that you actually get into when you sign on with a car insurance company. In many cases, the agents will try to force your hand if you do not read your agreements by saying that they do not owe you a service that they promised to give to you in the terms.

Finally, focus on getting car insurance with a company that has provisions for people who have been in accidents. These companies can be found with a bit of research. They tend to be more local and smaller than the larger car insurance companies.

Answered May 11, 2015 by Anonymous

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