Can you get car insurance after the fact?

Early in my career, I got a phone call from a person who wanted to buy insurance.  She was a little distraught at the time so I took a few moments to help her slow down and breathe.  Once she took a deep breath I began to get the information I needed to provide her with a quote for insurance.

The last piece of information she provided was that she’d just been in an accident, was calling me from the scene, and would the policy we were discussing cover the damage to the other person’s car and hers?  I explained that it wouldn’t.  I could still help her with a policy but no one would be able to cover her for the accident she’d just had.  She hung up.

I don’t know what happened to her as we never talked again.  There are at least two things that could have happened;

  • If her car was not paid for, she was stuck making payments for a car that was damaged or totaled.  Can you imagine being in that position for 3 to 6 more years and still having to get another car?
  • The other person would file an uninsured motorist claim, but there’s a really good chance that the other insurance company would come after the person I talked with for payment.  This would be handled via subrogation and that involves suing her for payment.  This coupled with the first option could push her over a financial cliff.

Neither of these options are good options.  Avoid this by having insurance and having enough insurance.

I love questions.  If you have one about your coverage or insurance in general, let me know.  You can tweet me @wiseinsgroup, post in on our Facebook page or in the comments section below.

Evie Wise
Evie Wise


Evie Wise
Evie Wise

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