Coverage & Claims

I got in an accident the same day I reinstated my lapsed policy. Will it be covered?

It depends on how the policy was reinstated. If they reinstated with no lapse, then you are free to file a claim.

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General Insurance

DMV shows my license being suspended for 3 months because paperwork was submitted late. My insurance has skyrocketed, how can I correct this?

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

Eligibility

How can I get a statement of no loss?

A statement of no loss is used when you are going to have a car insurance policy reinstated from being previously canceled. It's a form stating that you did not have an accident or any damage to the vehicle between the time the policy was canceled until the reinstatement date.

Eligibility

Will Erie reinstate my policy after non-payment?

It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.

Coverage & Claims
General Insurance

Can I file a claim with my insurance company if I've already paid for repairs to my vehicle?

Even if you have paid for the repairs on your vehicle, your insurance company should cover the damage you caused to the other driver if your policy was active at the time of the crash. I would recommend not paying the other party anything until you've contacted your company to start the claims process.

Coverage & Claims

Will my car insurance claim be denied if i got into a wreck 1 week after reinstating my policy?

If your policy was active at the time of the accident then you should be covered. While the insurance company may be a little suspicious at the timing of your claim with regard to it recently being reinstated, you should still be covered assuming that there was no fraudulent activity.

General Insurance

What do I do if my insurance company drops me for non-payment?

Your company may allow you to make up the payment, but there will likely be some type of fee involved with reinstating your policy because of the lapse in coverage. Unfortunately in most states, insurance companies aren't legally obligated to offer a grace period so that would be up to your specific carrier.
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