Can I switch car insurer’s while I have a claim pending, if so does my current insurance still have to process the claim even if I switch carriers?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 19, 2016

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Insurance Question from Philadelphia, PA

Asked on 03/19/2016

Can I switch car insurer’s while I have a claim pending, if so does my current insurance still have to process the claim even if I switch carriers? I am coming up on my renewal period and have I have found lower rates with another carrier, however I have a claim still pending for an accident my vehicle was involved in. My son was driving my vehicle and struck a pedestrian, should I wait until my claim is resolved before I switch carriers?

Answer given on March 20, 2016

You can change your auto insurance carrier at any time you feel you need to. The previous company will have to continue to handle the existing claim, since that was where you were insured at the time of the accident.Before moving your insurance, make sure the new company is aware of the pending claim. It seems apparent there will be injuries involved with the settlement of the claim, which will result in an increase in your premium. Make sure you get a quote from the new company including the claim, and presume it to have the bodily injury. Their rates may not be that much better, and they may decide that they don’t want a new policy with you since there is a recent bodily injury claim. It is also possible they will want to wait until the claim is settled, so they will know exactly how large the claim is.

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