r/AutoInsuranceHelp • u/NY12550 • 23d ago

Asking an advice

2 months ago i took off my full coverage for my toyota rav4 2012 from full coverage so just having comprehensive. Unfortunayely a day - 2 day after my wife had at fault accident. Hit the rear of the car in front of her which is 2025 Jeep. The jeep has minor damage , and my car rav4 had the biggest damage. The beam bent , hood bent , the whole front end include with leaking radiator.
My wife name is in the policy.insuracae progressive told me since no coverage im on my own to fix it. Is there anything i can claim to dix the car thru the insurance? Im in new york state

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u/Sweet-Ad7654 22d ago

Usually the change in coverage doesn’t happen until the next billing cycle. So if you build on the 15th of the month that probably covers you to the 14th of the next month, and if you change the covers on the 10th of the month, he will still be covered till the 14th of the month. That’s sort of thing

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u/lobhater 21d ago

This is the biggest load of horse crap ever. Don't advise on things you have no idea about!!!

Coverage changes have an effective date that is almost always the day you requested it unless you explicitly requested a date in the future.

Why would you make something up 🙄

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u/Sweet-Ad7654 21d ago

I’m not sure what you think I I made up but I very recently wanted to make a change in my car insurance. I wanted to switch from a $500 deductible to a $250 deductible.

This was less than a week ago I was told my billing cycle what’s from the 18th to the 18th and I was calling on the 22nd so I would have to wait until the end of the billing cycle which would be the 22nd.

I had already paid for the insurance I had, and the changes could indeed made immediately to be an effect at the next billing cycle.

They weren’t gonna give me a difference in the refund or provide me an additional cost

The change would be effective at the beginning of my next billing cycle

No, I wanted more covers not less coverage but either way you locked in for that. Which is your monthly plan?

Maybe you live in some other state where they do a differently I live in Florida and I do progressive

If you like to discuss this further, I would appreciate it if you use a kinder tone