Question:
I live in California. I noticed on my insurance policy that I did not have collsion or comprehensive coverage on my car. I called my insurance company yesterday in the a.m. and told them to add the full coverage. I had an accident last night about 7 hours later. A lady turned left in front of me. Even if I was at fault which I don't think I was, did that updated coverage go into effect when I called the insurance company and told them to add it?
Answer:
Yes it should have
Usually the car would have to be inspected to make sure there was no prior damage!
Generally talking, yes. There will definately be an investigation into coverage before they pay as getting into an accident right after you get coverage looks very suspicious.
But, next time...take this as a life lesson that you should LISTEN when you make changes like this. They should have made it perfectly clear to you on the phone when the coverage took affect. Didnt you bother to ask?
If she turned left in front of you while you had the right of way, you aren't at fault and the police report will show that. So, no worries. It won't affect your policy at all.
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