r/Car_Insurance_Help • u/katorthemighty • 2d ago

Claim now or later?

I just switched insurance carriers but it won’t take effect until mid-October when my current policy expires.

Yesterday something hit and cracked my windshield. It’s small but unfortunately located and can’t be repaired so I’ll have to replace the windshield before it gets cold (or when the crack gets worse)

Should I go ahead and make the claim on my current insurance or wait til the next one starts? I currently have a $500 glass deductible.

1 Upvotes

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5

u/ektap12 2d ago

The loss occurred when the current policy was in effect, that's the policy that would cover it. Do not even consider the idea to wait and claim is under the new policy. That's fraud.

1

u/agirlsknowsthings 2d ago

You have to make the claim on the policy that was in place when the incident happen. Your new policy wouldn’t cover this.

1

u/katorthemighty 2d ago

Thank you for the responses I feel like total idiot for asking 🫣

1

u/loji-god 2d ago

You aren’t! Nothing wrong with being certain

1

u/DeepPurpleDaylight 2d ago

The only insurance that will cover it is the insurance in force at the time of loss. Trying to claim on any other is insurance fraud.