If my car insurance lapse and i have an accident and then am reinstated, can i file a claim?

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Asked October 3, 2016

1 Answer


If your car insurance policy has lapsed and you have an accident during that period, you may not be covered by your insurance company. In most cases, insurance companies will not cover any accidents that occur during a lapse in coverage. If you reinstate your car insurance policy after the accident has occurred, it is unlikely that you will be able to file a claim for that particular accident. However, if you have a subsequent accident after your policy has been reinstated, and it is covered under your policy, you may be able to file a claim for that incident. It is important to note that insurance companies have different policies and guidelines for handling claims, so it is best to contact your insurance provider directly to discuss your specific situation. They can provide you with information on what is and isn't covered, and can guide you through the claims process if you are able to file a claim. In general, it is always best to maintain continuous insurance coverage to avoid situations like this. A lapse in coverage can not only leave you financially exposed in the event of an accident, but it can also result in higher insurance rates and potential legal consequences.

Answered October 4, 2016 by AllstatePals

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