In general, Florida automobile insurance policies that are in effect on the date of an accident continue to apply to that particular accident, regardless of whether the insurance cancels or the insured switches to another insurance company thereafter. Thus, in general, someone does not have to worry about switching car insurance in Florida. It is advisable to read your insurance policy to make sure this is the case and to ask your insurance agent to make sure your policy works this way. Also, you can bring your policy to a lawyer to determine the effect of switching an insurance company but in general automobile insurance policies work such that as long as they are in effect at the time of the loss they will provide benefits, even if cancelled thereafter.
If you have been in an accident, please call Drucker Law Offices at 561-483-9199 or 954-755-2120 or 305-981-1561 – Principal office in Boca Raton plus satellite offices in Miami, Coral Springs, Boynton Beach, and West Palm Beach.
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.
