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  1. #1
    Join Date
    Aug 2014
    Location
    Los Angeles, California, United States
    Posts
    1

    Lightbulb Making an Auto Damage Claim While Changing Insurance Companies

    My question involves insurance law for the state of:

    My current insurance policy ends on 9/26, and I will start a new policy with a new company right after. The new rates have been settled.

    My question is: I want to claim an accident (scratch on my own car, nothing else) now to my current insurance company. Does it have any negative impact on my future rate with my future company?
    Thanks!

  2. #2
    Join Date
    Sep 2011
    Location
    OH10
    Posts
    17,019

    Default Re: Claim an Accident During Changing My Insurance Company

    Yes, when you were quoted a rate, this claim was not considered in the quote.

  3. #3
    Join Date
    Mar 2013
    Posts
    18,340

    Default Re: Claim an Accident During Changing My Insurance Company

    If you make the claim now, you will have to reveal it to the new insurance company and it likely will result in an adjustment of the rates.

    If you make the claim on the new policy after 9/26, that's fraud and if the insurance company figures out that it's old damage (not hard to tell) you'll likely be cancelled and find yourself scrambling for insurance that will cost you a lot more money.

    Considering that a "scratch" might cost less than or close to your deductible you would be wise to just pay for it yourself and leave the insurance companies out of it.

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