Which insurance company is responsible for paying a claim resulting from an accident that happened before I switched companies?
Your previous car insurance company would be responsible for handling the claim.
Even if you waited until after you switched insurers to make the claim (or someone you hit waited to make the claim), the insurance company you had a legal contract with at the time of the accident is the one that would pay.
The insurer cannot refuse your claim just because you changed insurers after the incident.
Read more on can you switch insurers before your current insurance expires.
Can you file a claim with your new insurance company?
Your new car insurance company would not be involved in any way with the claim since you were not yet under your contract with them at the time of the event.
And you can’t make a claim with each insurance company for the same incident. Making duplicate claims would be considered insurance fraud. Information for all previous and pending claims is stored in a database that all auto insurers can access (the Comprehensive Loss Underwriting Exchange, known as C.L.U.E.).
It’s best to make a claim before you switch car insurance providers if possible. In fact, most insurance companies want to know about an event that may lead to a claim immediately after it occurs.
If you wait to make claim, you should expect to be asked why you waited. Don’t be surprised if the insurer for conducts an in-depth investigation if it suspects anything even remotely fishy. Insurance fraud pushes up costs for the insurer that is then passed on to drivers, so if there even a hint of something off, a detailed investigation typically ensues.
If you waited to make the claim because you were trying to work with an individual to pay out-of-pocket, or you were saving up the deductible amount, let the car insurance company know so it better understands why time elapsed before the claim was made.
Auto insurance FAQs
Can I switch car insurance after an accident?
You can switch car insurance companies after an accident, but it's advisable to consider the timing and implications. Switching insurers won't cancel the current claim, which will continue to be processed by the original insurer. However, the new insurer will handle future claims. Be aware that switching mid-claim may complicate the process and potentially affect your coverage or premiums. It's crucial to review the terms and conditions of both policies and consult with both insurers to ensure a smooth transition and understand any potential impacts on your coverage.
Can I switch car insurance with an open claim?
Yes, you can switch car insurance companies even if you have an open claim. However, switching insurers doesn't cancel the existing claim. The original insurer will still process the claim until it's resolved. When switching, you'll need to provide information about the open claim to the new insurer. It's essential to understand any potential implications of switching mid-claim, such as how it may affect your coverage or the claim process. Consulting with both insurers can clarify any concerns before making the switch.
