What happens if I add full coverage to my car the day after hitting a deer?
I hit a deer last night, just weeks after paying off my car. Because I had paid it off, I switched to liability. But now I'm thinking of switching the policy back to full coverage to avoid paying out of pocket. Can I do this?
“Even if you add the full coverage back to your policy, it won’t help you in this situation. The full coverage needed to be active at the time of the accident. Adding it after the fact means your insurer won’t cover your claim.
If you switch to a full-coverage policy and then lie to the insurer, claiming you hit the deer at a later date, this is car insurance fraud. You’re likely to have your policy canceled and even face criminal charges.
It’s tough luck that you hit a deer and have to pay to fix your car yourself. But don’t make your situation even worse by committing fraud.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
If I have a AAA card, will they tow my father's car?
"I was driving my father's car when it broke down. I'm a AAA member, but he isn't. Will AAA tow the vehicle?"
Jun 21, 2021
Why does my 2018 Toyota Tacoma cost less to insure than my 2017 Mazda CX-5 if the Tacoma cost more?
I have both a Tacoma and a CX-5. The Tacoma cost $10,000 more to purchase than the CX-5, yet it's far cheaper to insure. Why would a vehicle that cost more be cheaper to insure, even if they both have full coverage?
Apr 23, 2021
What happens when the cosigner on my car loan goes bankrupt?
I had a cosigner for my first car loan. Recently, he's had some financial setbacks and had to file for bankruptcy. How will this affect my car loan?
Apr 27, 2021