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insurance lapsed | coverage for damages to my car

A car hit my parked car. It happened two days after my insurance lapsed. I have all the information and a police report.

Will my insurance company still handle it or is there a way for my to go directly through his insurance?



Sorry to hear about your accident. You can make a claim against your insurance company, but they will likely simply deny it (and probably use the information to calculate your rates). When you do not have insurance (i.e., the insurance lapse), then essentially you are insuring your own vehicle. Thus, you will have to go through the other insurance company and deal with them directly (remember, they have to protect their client, so your interest are secondary).

I hope this helps. For more information about fault, please see:

Good Luck,

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