So I let my insurance lapse a couple of months due to unexpected life expenses and needed the extra $300 a month in my pocket. Just my luck that an animal jumped out in front of me and I got in a car wreck with no one else involved and no one hurt, I drove the car home just fine but damage is extensive.
My question is if I buy insurance now with a new company (because my old one obviously knows how long I haven't been insured) can they see the months that I had no insurance on some record? How long should I wait before making a claim, obviously not the same day but would 1, 2 or 3 weeks be long enough? People do actually buy new cars and crash them right off the lot after insuring them so it's not completely unbelievable I could get in a wreck so soon after getting coverage, right? I have NEVER made a claim before on any insurance or been in any wreck before so maybe this will help me and be less suspicious?
Thank you for any help I really put myself in a fucked position where the car might have $5000-10000 worth of damage and while that's not close to the %80 rule of thumb to total the car it's not by any means pennies so I doubt it will go very easy.
Julian Harris
depends on the state maybe but here in nevada the DMV keeps record of when you're insured and I'm sure they've got no issue giving that information to insurance companies
Logan Perry
This is insurance fraud, a crime.
If you insurance was $300 a month you're probably a basketball American as that's 4x what it should cost to carry liability above minimum limits with comp and collision.
Ryder Williams
Insurance agent here
There are people whose full time jobs are investigating suspected fraud and they tend to be quite good at what they do. Think carefully because it could land you in jail.
William Fisher
Depends on where OP is and how old they are. $75 a month is a reasonable rate if he's middle aged, married, and has a good driving record. Also helps to live in NC or somewhere the rates are cheap. If he's young and has a brand new car and lives in Maryland, he'd be lucky to get under 2k a month.
Angel Bennett
>$2000 a month Bullshit
I'm single, 27, have a 2016 that I paid about $30,000 for after tax, I carry a $100 comp deductible, $250 collision, loss of use, $300k liabilty per person and incident, $100k properry, and an OEM endorsement. My monthly rate is $71. I can definitely see him paying more but $300 a month is absurd and indicates he's got a horrible record, probably why he stopped paying.
John Mitchell
The car isn't fully paid for and no I actually have zero accidents and no claims on record. I have one speeding ticket that is all. I had every last option my insurance offered me and it was right under $300 a month. If I bought insurance and let the car sit for 2 months before making a claim would it not be that suspicious of a claim?
Jonathan Edwards
What state user? I drive an 07 worth ~5k with one claim from four years ago(not sure how long they last before they clear) with comprehensive and I'm paying about 85$/mo in WI.
Logan Edwards
Does having a car on a loan increase insurance rates?
Josiah Ward
Yer fucked...insurance companies maintain a central database that will show lapsed insurance...
The insurance adjuster sent out to see your wreck will notice the damage isn't 'fresh'...
