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Car Insurance Question  I was in a wreck previously. I do not have car insurance. If I get insurance now will it pay for the damages?

No, if you now get an auto insurance policy it will not pay for previous damage that your vehicle sustained in an accident that occurred before the inception of your policy.

In most states if you get physical damages, collision and comprehensive, which are the types of coverages that pay for damages done to your car, your agent will inspect the car and note any previous damages so that you cannot claim them in the future.

CarInsurance.com can offer you a policy that provides physical damage coverage (comprehensive and collision) so long as the pre-existing damage does not exceed the deductible you have selected in most cases. Be aware that some companies will NOT insure you if you have unrepaired damage so you may need to get the vehicle repaired before obtaining insurance on it.

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This car insurance question was asked on 11/9/2006
This auto insurance answer was last updated on 11/20/2006
Ashley requested this car insurance solution.
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