Please accept this question and response from the accident lawyer from Boca Raton (injury lawyer Delray Beach, accident attorney Miami-Dade County, injury attorney Broward County).
Generally, in Florida, automobile insurance policy are “occurrence” policies which means that as long as the incident takes place while the policy is in effect, then the insurance covers it. Thus, generally as long as your automobile insurance is in effect at the time of the accident, it covers you. This also means that by cancelling the insurance AFTER the accident, the insurance still will apply to the subject accident. Thus, you can generally cancel your car insurance after an accident or switch insurance companies without it impacting the accident but it certainly would be recommended that you read your policy to be sure you have an “occurrence” policy or to speak to your insurance agent about it.
There are many advantages of staying with an insurance company, especially if you have been with them for a number of years. Many companies offer discounts for customers that have been with them for a period of time. Obviously, there can be advantages of switching companies, like if you are being offered a smaller premium for the same coverage.
If you have been injured in an accident where you believe the other car or the place where you were fell is at fault, please call Drucker Law Offices for a free consultation at 561-483-9199 (Boca Raton Main office) or 954-755-2120 (Coral Springs satellite office) or 305-981-1561 (Miami satellite office). The law firm works on a contingency fee basis which means we only charge fees if we recover money for you. It is a free consultation at any of our offices or at your home, your doctor office or at the hospital if necessary. We will help you get your car fixed or totaled out, when we are representing you for injuries from a car accident.
Every case is unique and should be judged based on the specific facts of the case. The advice in this blog is intended to be general and should not to be construed as specific advice for a case or your case. A minor difference in the facts of the case in a fact pattern such as above could change the result. Also, this blog is, as the web site suggests, based on Florida law and the laws of any other states could vary from Florida.
