Q: I know in the United States you can cancel your car insurance even with an active claim. Is Puerto Rico the same?
I am moving back to Virginia and shipping my car back there. I just had a minor car accident yesterday but I have new insurance starting on the day I ship that covers the states. Am I okay to cancel my Puerto Rican policy and still work with them on the claim?
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A:
In Puerto Rico, you generally have the right to cancel your car insurance policy even if there is an active claim. However, it’s important to check the terms of your specific insurance policy, as conditions may vary between insurers. When you cancel the policy, it doesn't automatically affect the ongoing claim; the insurer is still obligated to handle and process your claim.
If you are moving to Virginia and have a new policy starting on the day your car is shipped, you should be fine to cancel your Puerto Rican policy. However, make sure to confirm that the new insurance covers any potential issues during the shipping process. Keeping a brief overlap between the policies can also provide additional peace of mind, just in case there are any unforeseen delays or complications.
Before canceling, contact your Puerto Rican insurer to let them know your plans and ask for any specific advice they might have regarding the claim process. Keep a record of all communications with both your current and new insurers, and ensure that all paperwork for the claim is submitted and processed properly. This way, you can handle your move and the transition of your insurance coverage smoothly.
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