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Fred Said:

Will the insurance cover multiple car damage?

We Answered:

1. Cost to repair damage will probably be the same no matter what clean up you did. I preferably would not have but that's in the past.
2. If estimate is lower than repair bid, ask the insurance company for a shop they use for repairs. If your going to get it fixed anyway, they will cover the cost of repair less deductible.
3. Hail damage and your accident are considered two different events,thus two deductibles will be required to fix everything.
Also note if the adjuster comes to your car for an estimate they will make note of all damages on your vehicle. So do not think you can total vehicle in an accident and claim full damages. They will use the prior damages as deductibles.

Jessie Said:

my monthly car insurance payment was due 1 day before i had an accident. i have been paying on time,?

We Answered:

They probably will but they do not have to. Most insurance companies will give a good customer a grace period but they don't advertise that fact. Also, The odds of retaining coverage are much better if you have never been late before.

Paying monthly is more expensive and more subject to being late. Pay every 6 months or even a year if you can

Clara Said:

Coincedentally my car was vandalized 1 day after I renewed my insurance. Can the insurance company not be liab?

We Answered:

You must first understand this point - you did not renew your insurance. You allowed your policy to lapse. You may have applied for reinstatement - not the same thing as renewal - but in effect, you purchased a new policy. As with the purchase of any policy, you should be given an insurance 'binder' at the time you make a payment to 'cement' the deal between you and the company. This is usually done in person with an agent representing the company.

If you gace the money to reinstate the policy to an agent, you should have been given written proof that the policy was in-force as of a specific date, usually the day you made the payment. This proof is what covers you in the vent you suffer a loss before the actual policy is sent to you from the company.

If you do not have written proof, or if you agreed to the reinstatement over the phone and mailed your payment and the damage occurred before the payment was received, with your track record of non-payment, the company is not going to look at you very favorably and consider your policy 'in-force' because you had a verbal agreement and the payment was in the mail. And they don't have to. If you don't have written evidence that payment was received by the company and that the policy was in-force at the time of the loss, you can expect to not be covered.

If you do have written evidence, and the company doesn't want to honor the policy, what you first do is discuss the matter with the agent, and if they still won't cover you, contact your state's Department of Insurance. They regulate insurance companies and go after the ones who don't honor their policies.

As far as a claim by an insurance company that a policy must be in force for a specific amount of time before coverage applies - that is bull. What are you paying for if you're not being covered during that 'dead' period" But it's possible that there are policies like this Read your policy completely to see what is says about coverages - you may be misunderstanding something - and if it says nothing about a 'waiting period' and the company is denying you with this as a reason, you have a case against them.

The company may be saying that the damage happened BEFORE you renewed your policy. They must prove it. You do not have to prove that it didn't. But it's better if you can. The date and time of the police report compared to the time you reinstated the policy are important, but not everything. Of course, if the report was made before you made the payment, you're dead. They can argue that you knew the damage had occurred while not insured, and waited to call the police until after the insurance was back in place. If you can get notarized statements from friends or co-workers who saw you with the car the day before the damage took place and/or after you had gotten re-insured, verifying that the car was not damaged, this will help.

The most important thing to protect you, though, is your written proof of insurance showing payment by you for the reinstated coverage.