Does insurance cover a collision even if you've only been insured for two weeks?
Can I still submit a claim even though I've only had my insurance for two weeks? Is there a waiting period? I was involved in a hit and run.
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Answered on Jun 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Even though your car insurance has only been effective for two weeks, there normally isn’t a waiting period. The date that your insurance is effective is the date that you are covered.
If you have uninsured motorist coverage and they aren’t able to find the driver, the damage should be covered. If you have collision coverage, you may also be covered.
You’ll want to reach out to your insurance company directly. They’ll be able to give you the exact details as there may be specific rules regarding hit and runs.
Your insurance may also perform a more thorough investigation based on how new your policy is, but it’s more likely to be denied due to lack of proper coverage than the length you’ve been insured.”
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