So I was hit last night but the person that hit me didn’t have insurance. I haven’t reported it to insurance yet and she just got insurance this morning, would I get in trouble for making a claim not that she has insurance? I really don’t wanna pay my deductible.
Car accident, other person didn’t have insurance
byu/GeekerConvention inInsurance
Posted by GeekerConvention
7 Comments
Her claim will be denied by her carrier. The accident happened before she purchased insurance, so it will not be covered.
Unfortunately, filing with your own carrier would be the best course of action. If she did not have active insurance at the time of the accident, then she unlikely has the funds to pay for your repairs out of pocket
No point in filing with her insurance. She wasn’t insured at the time of the accident. If you file with the insurance she took out today, the claim will be denied so again, no point in filing, go through your own insurance
She had no insurance at the time of the accident. Therefore, she has no insurance. Call your carrier and open a claim.
The other party didn’t have insurance at the time of loss. It doesn’t matter if they get insurance at some other point. Insurance isn’t retroactive and doesn’t cover claims that occurred before the policy period.
They will deny the claim you make. She didn’t have coverage at the time of the loss. Your options here are to file on your own insurance, pay out of pocket on your own, or sue the other party.
My verdict: Use your insurance and let them deal with going after the other party. You likely won’t see your deductible again but your car gets fixed.
You wouldn’t be lying to say she didn’t have insurance at the time of the loss (accident). Just know her insurance won’t cover the loss since it occurred prior to her purchasing the coverage.
“Facilitation” of insurance fraud is a crime in most states, so participating in a little conspiracy to lie about when the accident happened can get you in trouble, yes. It’s actually a really dumb thing to do with a stranger because you don’t know that her new insurer won’t send out a professional investigator to talk to (interrogate) her and get her to admit she lied. Then you’re there with your pants unknowingly around your ankles giving the investigator a gift-wrapped case to hand to a prosecutor where you’re the *only* one who ends up in trouble. Whoops! Dumb, dumb, dumb.
If there’s a police report or a tow bill, or even a security camera pointing at the supposed loss location you’ll be cooked. Insurers always look extra deep into claims that happen shortly after policy inception.
It’s also possible that she’s just that dumb to think that car insurance works like health insurance, and you can get coverage for problems that happened before the policy started.