How do you know where to submit a claim if one policy ends at 12:01 AM & the claim happened while you were asleep?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 10, 2013
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Catalpa, VA
Asked on 06/10/2013
How do you know where to submit a claim if one policy ends at 12:01 AM & the claim happened while you were asleep? We had our sump pump stop working due to the power going out & we sustained quite a bit of water back up. Our previous policy stopped at 12:01 am & the new one started. Because we were asleep when it happened, we don't know where to submit the claim for damages because we don't know when the power went out.
Answer given on June 19, 2013
If you had a house fire that erupted during the night and you were changing insurance at the expiration, you should start your claim with your existing insurance company.The fire department may be able to help you determine the time of the fire, but for the time being, contact the old insurance company regarding the fire. Have them start the claim. Since the policy is expiring, they may want to confirm the time of the fire, but without a specific time, they may have to accept the claim.You should also confirm that the expiration time is 12:01AM on the homeowner policy. In the past, homeowner or property policies expired at 12:01PM, since most fires do not start during the day. Auto policies expired at 12:01AM, since most drivers were not on the road at that time. Your insurance company maybe using the 12:01PM time, which would be a clearer scenario as to which insurance company is handling the claim.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.