Q: Can I get out of not having insurance at the time of an accident?
A: Generally, insurance companies determine the status of being insured as of the time a claim happens. If you are involved in an event, like a collision, a homeowners disaster, or some other event, whether or not insurance will cover that depends on whether you had coverage before the event happened. Why? Because insurance companies price coverage based on the risk they think you present to filing a claim. The more likely a claim is expected to occur, or the more expensive the potential damage, the more an insurance company will charge for the premium. There are other factors as well that go into calculating an insurance premium. However, what is not avoidable is that you cannot usually go out after the fact in most cases and obtain insurance to cover an event that has already happened. The only situation where this comes up sometimes is a situation where you purchase a car or vehicle and drive it off the lot before your insurance is in place. Many companies have policies that include what's known as an after acquired property clause, which says that, within a short period of time after purchase, you can go purchase insurance and have that vehicle or other property fall within the coverage. In the case of dealing with a traffic ticket for not having auto insurance, many city courts in Tennessee will dismiss the charge if you come to court with proof of insurance, which you would have secured after the incident. Courts generally want to see that people are following the law, and know that is more important than collecting small fines for not having proof of auto insurance.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.