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In: Cars Insurance
5 Mar 2010I was in a car accident in Oct 2006, I was injured in the accident and still under medical treatment but insurance is now refusing to pay any medical bills and my 6 month renewal is up and I am wondering if I need to renew this because of being in a accident or not. If anyone has been through anything similar like this could you please advise.
I was not at fault in this accident and I am waiting to hear from a lawyer. Any Advice? Serious answers only PLEASE!!
I can renew the insurance I have, I am just wondering if I have to because I am unable to drive my car because of the accident and wondering if I still need to pay out the money for insurance or not ? I have made all my payments and now they want me to renew it. I just dont know if I have to or not. It seems kinda pointless to me when i cant even drive the car and car doesnt run. But I want to make sure that I am doing the right thing without jeopordizing my case.
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4 Responses to renewal of car insurance after accident?
angeleye328i
March 5th, 2010 at 7:20 am
You should consult a lawyer, its BS that they are refusing to cover your treatment (if its required by your doctor). You shouldn’t have any problem renewal your insurance but that at the discrestion of your insurance company. Every company have different policy on when to terminate a policy and most will depend on how much the claim was made against the policy holder (you).
lynnepeterpan
March 5th, 2010 at 7:32 am
why is your insurance paying for the bills?if you were not at fault then it is up to the other person’s insurance co. I was in a not at fault accident and my insurance was not affected by it. all they did was file a report as documentation in case the other insurance didn’t pay. i did get a lawyer only for personal injury purposes.as far as renewing if you want to change company’s then don’t pat find another,but you will also have to pay start up fees.so weigh your options ……keep current insurance and pay the renewal and be on your way or find another …..only you can make that decision yourself. but i would find out why they aren’t paying
deanspurrier
March 5th, 2010 at 8:10 am
Your free to change insurance carriers anytime you wish, although you might find it difficult to insure a car that may very well be totaled.
If you have a lien holder that requires you to maintain insurance then I would suggest you renew, but once all this is passed and settled and if your current Insurance carrier gave you allot of grief over this then I’d start shopping for a different carrier.
Good luck and I wish you the best in your recovery.
bundysmom
March 5th, 2010 at 9:01 am
Whether you need insurance or not depends on your state law and if your vehicle is still being financed. Chances are you are bond by state law to carry liability whether you physically can drive or not.
As for your insurance paying for your medical…why aren’t they? Do you have the correct coverage on your policy? If you do, has the limit been exhausted? OR…are your doctors overbilling for services not rendered and/or unbundling your treatment to build up your claim, which is illegal, and your insurance company is onto them?
As for your renewal….most states have a law that says you can’t be canceled for accidents, only for non-payment. You should speak to your agent or the Underwriting department for clarification.