Auto Insurance Claims – Car Insurance Policy Now Canceled?

Reader’s Question:

I had an auto accident and it was not my fault and my car insurance had been canceled. Can I still report auto insurance claim if it is less than a few days that it has been canceled.

Meg

Las Vegas, NV

You could not place an insurance claim through your own insurance providers since your insurance policy in Las Vegas, NV was canceled and therefore not in effect at the time of the incident. It does not matter if your car insurance policy was cancelled by a couple of hours, days or weeks, ago if your insurance was not valid at the time of the accident you would not be covered under your auto insurance policy. But you mentioned that the incident was not your fault so you may be able to put an insurance claim through the at-fault party’s insurance carrier.

You can put an insurance claim with the at-fault driver’s insurance company to check if they will accept it. Their insurance claims department should be contacted to put the insurance claim for the damages your car sustained in the accident.

How Much Will an Auto Accident Increase My Car Insurance Rates?

Reader’s Question:

How will an auto accident increase my car insurance premiums?

Cecille

Thank you for asking Cecille.

The state of Nevada requires all registered motor vehicles to be covered with a minimum liability insurance coverage of

$15,000 for bodily injury or death of one person in any one accident
$30,000 for bodily injury or death of 2 or more persons on any one accident; and
$10,000 for damage or destruction of property of others in anyone accident is mandated.

This coverage must be reported by an insurance providers authorized to do business in the state of Nevada.

From this Department Of Insurance information it would seems that insurance providers in Nevada can rate on accidents for a period of 3 to 5 years. It will affect your insurance rates depending on your individual insurance company’s rating system and the type of accident you were in. You may be able to get more information regarding the rating system from your agent or from contacting the NV DOI since insurance carriers file their rates with this state agency.

Goodluck!

MariCAR