6 Comments

1. mrsdeli says:

   May 19, 2010 at 8:40 am

   Nope…you would have had to have the policy effective on the date of the accident or before. You should not have been driving the vehicle without insurance.
2. Blessed One says:

   May 19, 2010 at 8:49 am

   No you can not file a claim against your current insurance carrier. That would be a false claim and that is fraud. You did not have coverage at the time of the accident. If the other guy is at fault, why would you want to file a claim against your own company?
3. Lawnboy & Luna says:

   May 19, 2010 at 9:10 am

   If you did not have a valid insurance policy at the time of the loss, then of course you cannot file a claim. If you currently have collision and comprehensive coverage, didn’t your insurance company ask for a pre-inspection of your vehicle before they offered you coverage? If not, I would question the integrity of your insurance company. Sounds like some fly by night operation.

   Anyway, if you were not at fault for the accident, contact the other driver’s insurance company. They will reimburse you for your damages and rental, up to the at-fault drivers policy limits.
4. Sunshine79 says:

   May 19, 2010 at 9:54 am

   Unfortunately, claims are not retroactive, so you cannot file any claim on anything that happened prior to purchasing insurance. That applies to Home Owners Policies too.

   If there was damage you were not aware of or could have happened that you did not discovere until after after purchasing insurance, you may be able to file a claim.
5. earanger says:

   May 19, 2010 at 10:51 am

   That is a felony under federal law.
6. Queen B says:

   May 19, 2010 at 11:18 am

   no you cant. if it was the other persons fault, why would you want to file it on your policy anyway? it shouild be filed on theirs!