I changed insurance companies after I had an accident. Which company has to cover me for my accident?
The insurance company that you had on the date of the accident has to cover you for the accident you had on that day.
The newcompany that you switched to after the accident would provide you with no insurance coverage for the accident in question.
It is good to make sure you always have insurance. Try not to ever be without some sort of car insurance. I would suggest that you set up your new insurance before you cancel your old coverage.
Also it is important to have a lot of coverage. The minimum amount in Virginia is 25/50. That means $25,000 per person and $50,000 per accident. In a bad wreck that may not be enough to pay the hospital bills. I recommend more than the minimum.
Sometimes your own insurance has to cover you even if it is not your fault. Such as if you get hit by a driver with no car insurance. This is called Uninsured Motorist coverage. Try to make sure you have enough to take care of yourself. It is not very expensive to get better coverage.
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