If my insurance was cancelled at the time of accident, but i reinstate my insurance the next day, will it cover the damage?

Sorry, but the carrier is unlikely to let you reverse time. Certainly can't make it worse to ask. I caution you to speak with a local and qualified personal injury attorney first. As an innocent passenger you are entitled to pursue a claim for monetary damages. Good luck.

No. Typically, only insurance that was in place at the time will cover a loss. There are very few exceptions, such as when coverage was cancelled for lack of payment, the company agrees to reinstate upon receipt of payment and payment was made but not processed at time of collision.

Unfortunately, if your insurance was canceled, reinstating it will most likely not help. However, that does not mean you cannot proceed after the person who caused the accident or the person who was driving/owns the car you were in. You should act quickly and retain a personal injury attorney asap. Please feel free to review other questions such as this one on my web site: www.InCourt.com Good luck, and if you would like to discuss your case in greater detail please feel free to call me or the other attorneys in my office.

Unfortunately, an insurance company will not backdate coverage. If that were the case they would go broke. No one would buy insurance until something happened and there was a claim to be made.

No. Legal Disclaimer: If this information has been helpful, please indicate below. Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.

There are a few misconceptions here. First, it is unlikely that your insurer will reinstate the policy to cover acts during the period it was out of force. However, it is possible you can be successful claiming that the policy was never out of force. If the policy was cancelled for non-payment, the insurer must follow strict statutory requirements (sometimes the policy even provides stricter requiremets) to cancel the policy and insurers often fail in this regard. If you have a history of paying premiums late and the insurer has previously agreed to reinstate, you have paid full premiums and the insurer has not returned rhe pverpaymenrt, then you might have a claim of estoppel or waiver and I have actually seen this work. Again, these types of cases are difficult and possibly costly, but it is not totally hopeless depniding on specific facts of your case.