accidentadvice1
Junior Member
What is the name of your state (only U.S. law)?
How is this a legal question? Contact your insurance company to take care of business.Oops... something went wrong when I posted original messsge. Here's the message I ment to post:
This is a bit embarrassing but I haven't switched insurance to my replacement car after the accident that was a little over a year ago. Very stressful situation and it's finally resolved but now I'm wondering how to approach my insurance company. I live in Washington state. I know getting pulled over by the police or getting into another accident would be a bad situation without proper insurance. My insurance policy still has my old car on it... the one totaled in the accident. What can I expect from my insurance company when I contact them? I'm going to contact them next week. Also my replacement car is not in the best condition. I'm looking around now for a car in better shape. So I will be switching cars again on my policy in the next month or so.
Thank you
You are currently driving without insurance, which is illegal. If you cannot afford insurance, then you should not be driving.I don't know what to expect calling insursnce company. I'm coming out of a very stressful year and I'd like a heads up on what to expect when contacting insurance. Will the switch be seemless because I've had no trouble since the accident? Will insurance fine me or tag on extra fees because I've been driving a car that is not on the policy, but still have my totaled car on the policy. Just looking for how insurance might respond. I'm low on funds now and if there are extra expenses I would not be able to pay until a few weeks later. Also is this an issue just between me and my insurance or would I be reported for not having proper insurance?
his questions may not be legal questions now but if he keeps this up he might have a few legal questionsYou are currently driving without insurance, which is illegal. If you cannot afford insurance, then you should not be driving.
Your questions are not legal questions - talk to your insurance company.
ETA: It's just plain foolish to not have switched the insurance from your old vehicle to your new one.
May or may not be true, depending on the state (which i didn't see posted). In my state, given op has not had insurance on his car over a year, he would have to purchase insurance from "the insurance pool". That means your typical insurance provider will not sell him insurance. The pool is where those that break the law and don't purchase insurance are required to purchase their insurance from.In reality, as long as you don't have an accident before you talk to them, the worse case scenario is that the premium on the new car is more than the old car, and they will back charge you the difference.
Your insurance company is not going to backdate coverage.Thanks,
These repsonses are helpful.
I live in washington state. Does that change anything?