2. Notify your insurance company. Even though your insurance was cancelled the same day as the accident, you should still notify your insurance company immediately. Explain what happened and provide them with all of the relevant information, such as the accident report number and the details of the other driver's insurance policy.
3. Appeal the cancellation of your insurance. If your insurance was cancelled due to a missed payment or another issue, you should appeal the cancellation. Contact your insurance company directly to learn what forms you need to fill out and how to present your case. If the appeal is successful, your insurance will be reinstated and you will be able to file a claim for the accident.
4. Explore other options. If the cancellation of your insurance is upheld or you are unsuccessful in obtaining reinstatement, you may have other options for covering the costs of the accident. This could include contacting your state's insurance authority or working with a car insurance broker to find other insurance policies that could be available to you.
5. Understand the financial impacts
- You are probably on the hook to cover damages done to other drivers property if you did not purchase uninsured motorist property protection and the other driver does not have insurance as the at-fault party
- The insurance company can send the bill for uninsured motorist property damage claims that they pay out to collections
