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"If you change car insurance companies, can you file a claim on an old accident with the new company?

July 16, 2010 - 7:36 pm 7 Comments

This was an accident where I accidentally scraped a mailbox, putting an indention into the side of my car…it is about a $1,500 repair; my old insurance had a $500 deductible, but I never filed-and now I’m wanting to change companies. For lack of a better term, is this like having a pre-existing condition with medical insurance?

You cannot claim it as you were not covered with the new company at the time of the incident.

Also, a good resource is…

http://www.safelinked.info/go.php?link=insurance

Best of luck to you.

Posted car insurance companies |

7 Responses to “"If you change car insurance companies, can you file a claim on an old accident with the new company?”

  1. Travis Gunter Says:
    July 17th, 2010 at 12:42 am

    Yes. Most insurance companies photograph your car and log any "pre existing conditions". :)
    References :

  2. Scott H Says:
    July 17th, 2010 at 1:12 am

    Are you kidding? No. Insurance doesn’t retroactively cover accidents.
    References :

  3. pickmefirstplz Says:
    July 17th, 2010 at 1:42 am

    no you cant
    References :
    p

  4. just_me Says:
    July 17th, 2010 at 2:07 am

    It’s called prior damage, and the new company will exclude it from coverage.

    You know, you can still file a claim with the previous company. Even if you don’t have an active policy with them now, as long as your policy was in force at the time of the incident, they’ll still cover it. Depending on how long ago it is, they may reduce the amount of the settlement if the damage has had a chance to get ‘old.’
    References :

  5. entidtil Says:
    July 17th, 2010 at 2:36 am

    You can file a claim with the old company to have the "indentation" fixed. You cannot file a claim with the new company to have old damage repaired. Your new company will not pay to fix damage that happened while another company had it insured
    References :

  6. Moses B Says:
    July 17th, 2010 at 3:03 am

    You cannot claim it as you were not covered with the new company at the time of the incident.

    Also, a good resource is…

    http://www.safelinked.info/go.php?link=insurance

    Best of luck to you.
    References :

  7. Miles Says:
    July 17th, 2010 at 3:44 am

    Try to deal it out of pocket, otherwise insurance rates will go up much more. You can check how quotes will change here – autoinsurance.undonet.com
    References :

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