Can I still file a claim if I haven’t made a payment on a new policy yet?

Like any other recurring bill, insurance premiums must be paid regularly. Failing to make a payment could result in serious consequences, including the cancellation of your policy.

In some cases, the insurance company may raise your rates. If you do not make your insurance payment, your driver’s license may even be revoked.

As soon as you know you may miss an auto insurance payment, it is critical to inform your provider. Doing so will make you aware of your options for keeping your policy active, which may include asking for an extension on the due date of your payment. Specific insurance agents sometimes have discretion over cases like these.

However, if you have missed your payment due date for an extended period of time, your insurance company may cancel your policy. But what if you have only recently gotten a new policy and have not yet made your first payment?

In these instances, you may be uncertain about whether you can file a claim after an accident or injury. Before pursuing compensation, it is vital to speak with one of the accomplished legal professionals at Morgan & Morgan.

In most instances, you can file a claim any time after your policy becomes active. Suppose that you purchase an insurance policy that goes into effect at 12:01 a.m. on January 1st. You should be able to file a claim on this policy at any point after that time. However, different insurers may have different policies regarding your initial payment.

If your insurance company requires your first payment before your policy goes into effect, you will not be able to file a claim before paying. However, if your first premium is not due until after the activation of your policy, you can.

It is important to note that claims made immediately after a policy becomes active may be viewed with suspicion. Suppose that you purchase a new car insurance policy and are involved in a crash the day after it becomes active. In this case, your insurance adjuster might perform a diligent investigation of your claim to protect the company against the possibility of illegitimate claims and insurance fraud. 

However, you should be able to recover compensation for a claim if your coverage is active. If your insurance provider is uncooperative or denies you the money you deserve, make sure to speak with a skilled legal professional.

The accomplished professionals at Morgan and Morgan know what it takes to negotiate effectively with tightfisted insurance providers. Contact our firm to pursue the money that you are rightfully owed.

There is no single or universal price for legal representation in tort cases. However, most reputable civil attorneys operate on a contingency fee basis.

With this approach to attorneys’ fees, clients pay nothing upfront. When you hire one of the skilled litigants at our firm, we will work for a portion of the financial recovery from your case.

You will not owe a single penny for representation unless we recover the monetary compensation you deserve. This payment approach guarantees that your legal representative works diligently and in your best interests.

One of the knowledgeable tort lawyers at Morgan & Morgan will review the facts of your insurance claim thoroughly. Our team knows the tactics and strategies adjusters use to undermine legitimate claims.

If you had to file a claim before your first payment, our team will ensure that you do not allow your insurance provider to deny you the money you need. You should not have to go without financial recovery because your accident or injury occurred right after you purchased the policy.

When you are wondering if you can file a claim on a new insurance policy, reach out to Morgan and Morgan. Our accomplished attorneys have secured more than ten billion dollars in compensation since our firm’s founding. 

We will gladly provide you with a no-cost, no-obligation legal consultation to discuss the facts of your case. Complete the online contact form to speak with a member of our friendly staff today.