Question

Can I file a claim if my insurance policy is canceled but was active at the time of an accident?

Just before leaving the country for post-graduate school work, I was hit by an uninsured driver. My insurance policy was active when the accident happened, but I didn't have time to file a claim and repair my vehicle before my trip abroad. I am now back in the country and my insurance is no longer active on the vehicle. Can I still file a claim for repairs?

Jan 16, 2017 Miami, FL

Answer
Neil Richardson

Jan 16, 2017

It will depend on how long ago the accident happened. You can use the chart HERE to find the state where the accident occurred and see if you still have time to file a claim. If the accident happened in Florida, you have 4 years from the date of the incident to file a claim, based on the chart. The timeframe varies by state so look carefully. If you are still within the time limit and your policy was active at the time of the incident, contact the company you were with to see if you can pursue a claim.

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