Q: I was in an accident (12/17) and my insurance won't cover it. What are my options?
I got into a wreck on the afternoon of 12/17. Fault wasn't determined at the scene, and no tickets were issued. I didn't immediately file a claim with my insurance due to stress and mental health issues (it was the 5-yr anniversary of my dad's death). I also needed to get a microSD reader so I could review the footage from my dashcam. On 12/20, I received an email from my insurance that I was no longer covered, effective 12/17. I'm on seasonal layoff and also technically homeless at the moment. I had not yet filed for unemployment, hoping I'd find a job (and would have, if not for the loss of my car). My job picks back up in January, but I need my own vehicle. I will not be able to afford the repairs on my car. I can reinstate my insurance, but I have to sign a no-loss statement and my car will not be covered. What do I do? What *can* I do?
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