What Happens If You Get Insurance After an Accident?

Getting insurance after an accident typically won't cover that particular incident. That’s because insurance policies usually only cover accidents and incidents that occur after the effective date of the policy. In other words, you can’t rewind the clock and file a claim for something that happened before you signed up for that particular insurance policy. 

If you attempt to claim for an accident that occurred before your policy started, the insurance company will likely deny it. It’s also worth noting that lying about when the accident or incident happened to obtain insurance benefits is considered insurance fraud and can get you into legal trouble. 

That said, we understand that you may be concerned about obtaining compensation after being involved in an accident. The best way to find out more about your eligibility for compensation is by consulting an expert. Get in touch with us today for a free, no-obligation case evaluation.

When Does Insurance Come Into Effect?

Insurance policies usually come into effect on the start date specified in the policy documents. This date is agreed upon when you purchase the policy. Any incidents that occur before this date are not covered. 

Can I File a Claim if I Was Partly Responsible for the Accident?

Yes, you may be able to file a claim if you were partly responsible for the accident. That’s because most jurisdictions, with the exception of Virginia, Alabama, Maryland, North Carolina, and the District of Columbia, operate under comparative negligence laws. These laws allow for compensation even if you are partially at fault. However, it’s also worth noting that your compensation may be reduced by the percentage of fault attributed to you.

What Are Other Ways to Get Compensation If I Don’t Have Insurance?

If you don’t have insurance, you may still be able to seek compensation after an accident. The main avenue for compensation is by filing a claim with the other party’s insurance provider. Having your case reviewed by a legal professional from our team is one of the best ways to determine whether you may be able to recover compensation and where exactly to file such a claim.

How Can Morgan and Morgan Help If I’ve Been Injured?

There’s a reason why Morgan and Morgan is widely referred to as the injury firm for the people. That’s because our clients are ordinary people just like you whose only mistake is being at the right place at the wrong time.

Getting injured because of someone else’s negligence is one of the worst things that can ever happen to you. And when that happens, you can count on us to step in and find a way to remedy the situation.

You may lack insurance, but that doesn’t mean you will automatically lose your right to obtain compensation. That, again, depends on the uniqueness of your case. The first thing we’ll do is evaluate your case to determine whether you might be owed compensation.

Once that’s out of the way, we’ll identify the parties responsible for your injuries or losses and hold them accountable.

Contact Morgan and Morgan

With or without insurance, you have rights that deserve to be protected. Contact our personal injury experts today to learn more about how we might be able to help.