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QuestionInsurance Question  If I get in an accident on say Saturday in my friends car with no insurance and the car that hit me had no insurance can I get insurance on my car after the accident, say on Monday and file a claim with my new insurance for the accident and rental car coverage?

AnswerAuto Insurance Answer

No.

In most states, backdating of insurance policies is fraud and punishable as fraud. Unfortunately, in your situation there is no good option to find coverage. You may have trouble getting a policy if you were ticketed with driving with no insurance. Depending on your state, you could also have penalties for driving without insurance.

The penalty for driving without insurance varies from state to state. In some states, your vehicle tag can be seized and your car impounded. In addition, some states impose heavy fines for those who drive without auto insurance. Limited states fine a fee of $150 to $500 for driving without insurance.

The consequences can be far more serious if you are involved in an accident and do not have insurance. You may have to comply with the financial responsibility laws (SR22, SR22s, SR16) including having to pay for any injuries or damages out of your own pocket.

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