Switching car insurance-accident before new policy takes effect

[bluto 4997]

Switching insurance providers, new policy takes effect in 6 wks time. Between the time I signed up for new policy and it taking effect I rear ended a car at a stop light. Great effing timing. Very minor damage visible but cars these days even a bad stare at them costs a few grand to fix all the computer shit so claim will be filed.

 

Do I contact future provider? Let them figure it out through their systems? First time I’ve ever had a claim of any type so clueless to the process in general.

[Bernard 879]

What about your old policy? If it's expired, it sound like you were driving without insurance.

Bernard

[bluto 4997]

What about your old policy? If it's expired, it sound like you were driving without insurance.
Bernard

No, I’m not an asshole. My old/current policy runs through may

[CooterBrown 18288]

Yeah, if you’re between insurance, prepare your anus. You gonna get fined and get sued.


Edit. Old insurance will deal with it. DO NOT tell your new insurance.

[TwiceHorn 32079]

2 minutes ago, bluto said:

No, I’m not an asshole. My old/current policy runs through may

Then the claim goes on your current insurance.

[elfenix 34752]

he's asking if he should alert the new insurance before they cover him out of some need for disclosure, not if they're going to cover him for this current wreck. 

Edited March 19, 2021 by elfenix

[Onboard 2.0 9083]

13 minutes ago, bluto said:

No, I’m not an asshole. My old/current policy runs through may

May ? Then there's your answer to the second part of your post at least. Can't really comment on the first part.

[bluto 4997]

he's asking if he should alert the new insurance before they cover him out of some need for disclosure, not if they're going to cover him for this current wreck. 

Correct. I just need to know if I’m gonna get nailed with some fraud issue if I don’t alert future provider.

Spoke with current provider today and my renewal rate has already been processed for may so I won’t even know what my premium damage will be til October on that quarterly renewal.

New provider would be a pay up front 12 month policy so if I can slide by then it’s a solid save. But don’t want to risk getting hit hard for non disclosure.

[deadshank 24654]

Does your new carrier require you to alert them?  What does the policy say?

Insurance carriers always pull loss runs to see what you’ve been up to.  No need to tell them as your rear-ender is your current carrier’s problem.  
 

Your new carrier is gonna find out anyway.  They always do.  

Edited March 19, 2021 by deadshank

[Upgrayedd 5894]

You should line up another insurer to cover you starting in June

[conVINCEd 21477]

2 hours ago, bluto said:

Correct. I just need to know if I’m gonna get nailed with some fraud issue if I don’t alert future provider.

Spoke with current provider today and my renewal rate has already been processed for may so I won’t even know what my premium damage will be til October on that quarterly renewal.

New provider would be a pay up front 12 month policy so if I can slide by then it’s a solid save. But don’t want to risk getting hit hard for non disclosure.

Have you reveived a copy of your new policy?  You’re probably ok if it has already been through underwriting.  They run loss reports and driving records at renewal.  You have no duty to self report, you gave them your info and they gave you a rate.  That rate will change the next time it’s up for renewal due to the accident, but that’s on them for post-dating a policy 6 weeks out IMO.

[Quagmire 2148]

Did you rear end a guy?

[conVINCEd 21477]

21 minutes ago, Quagmire said:

Did you rear end a guy?

NTTAWWT

[NeverMarryAStripper 22303]

Fuck rear enders.  I’ve been rear ended 3 times in the last five years.  The last one totaled the second favorite vehicle I’ve ever owned.  I hope you insurance company screws you on the rate like I got screwed on my settlement.

[T’Boo Ted Marshall 2779]

Unless they run another set of reports prior to issuing the new policy, you should be fine.

[Sbbruin 22144]

On 3/19/2021 at 2:32 PM, bluto said:

No, I’m not an asshole. My old/current policy runs through may

Then why the fuck would you tell your new carrier?  Do you pay extra taxes just to make sure the government gets their fair share?

[Gil Bang 26240]

On 3/19/2021 at 2:32 PM, bluto said:

No, I’m not an asshole. My old/current policy runs through may

Just because you have insurance coverage doesn't mean that you aren't an asshole

[TwiceHorn 32079]

I see your point about not wanting to mislead your future insurer as to your claims history.  But, as has been pointed out a) I don't think there's an affirmative duty to disclose your claims history on an ongoing basis, if at all and b) they have and can get your claims history easily, so it should be a non-issue.