Can I cancel my car insurance since my car was totaled in an accident?

I had a car accident last week and the adjuster told me my car was totaled. I haven't gotten the claim check yet, but I have an insurance payment due next week. Can I just cancel the policy?

Apr 29, 2021
Answer provided by
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Shannon Martin
Answered at Apr 29, 2021
“I am sorry to hear about your car. In most cases, you can either remove the car from the policy or cancel the policy the day after the claim is filed.
It would be a good idea to speak with the adjuster before you do to make sure everything is in order with your claim.
Are you shopping for a replacement car? If so, you might not want to cancel your policy. Have a lapse of car insurance, even for a few days, can cause your future rates to increase. Once you find a new car, you can simply switch out the vehicles and keep the same policy.
If you want to save money on the insurance for your new car, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. “
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