Question

If the at-fault driver hasn't added a new car to their policy, will their insurance still pay for my damages?

My grandson had a car fail to yield and it turned left in front of him. The driver claimed they had no insurance but they had state temp tag, which you must show proof of insurance to get. We find out three weeks later they had insurance on another vehicle but didn't report they got the new used car to their insurance. However, their policy says they have coverage up to 30 days to report. Shouldn't they have to pay the claim? The accident happened on day 15 of a 30-day temp tag.

Jan 21, 2020

Answer
Ross Martin

Jan 21, 2020

Sorry to hear about the accident. Regardless of whether their insurance pays, the at-fault party is responsible for any damages caused. Whether their insurance will cover it really depends on their company and policy type. Some policies cover for 30 days, 20 days, or only liability, while others do not offer any coverage past what is listed on the plan. I would open up a claim either way and get a result. If the claim is denied by their insurance, I recommend seeking legal help to get your repayment. 


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