Question: My friend was in an accident. He had insurance at the time (comprehensive, full coverage, or whatever it's called), but since then he got behind on his payments and his insurance may be canceled. Can he be certain that the accident will still be covered since his insurance was valid then?
Answer: Your friend paid for insurance coverage for a certain period of time, so if your friend's car insurance policy was in force at the time of the accident, then he should be covered for any claims he, or others, make against his policy. Your auto policy just needs to be valid on the actual day of the accident for you to have coverage for the incident.
It would help your friend's situation if the accident happened a few weeks before the policy canceled and the insurance company had already received the claims If instead the policy canceled out, due to non-payment, the day after the accident and before claims were made, he better have proof of when the accident occurred.
Insurance fraud is rampant, so insurance companies will be suspicious of claims coming in on a canceled policy.This means if your friend was in a single-car accident, didn't get a police report, and waited until after his policy canceled to make a claim, he may have a tough time tough convincing his car insurance company that the accident happened when his policy was in effect and getting his claim accepted -- unless he can provide hard proof of the date the incident. A police report, witnesses, and the statement of any other driver involved should help confirm the date of the accident. You said your friend has full coverage, so we take that to mean that he has not only state liability coverages but also physical damage coverages of collision and comprehensive. This means that others he harmed can file claims against his bodily injury and property damage liability coverages. For any damages to his own vehicle, your friend can make a collision claim. A deductible will be due. (See “ What if I can't pay my deductible?”) An accident without those coverages leaves him personally liable to the people he hit and responsible for repairing his own car.