If i canceled my insurance and i had an accident 2 weeks after the cancelation but the insurance company keeps getting paid, can i make a claim?

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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: Jan 18, 2012

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Insurance Question from Heights, TX

Asked on 01/18/2012

If i canceled my insurance and i had an accident 2 weeks after the cancelation but the insurance company keeps getting paid, can i make a claim? The insurance took the monthly payments for two more months after the cancellation and the returned the charges 3-4 months after all this hap pendSince i was paying this policy at the time of this accident i believe i have the rights for coverage?????

Answer given on January 18, 2012

Normally you have to put your cancellation in writing.  If you put in writing that you would like cancellation of the policy on “X” date, this is the date they are going to go by. Some insurance companies do not ask that it is in writing.  You may have simply called their customer service and given a date.  Sometimes automatic draft takes a while to stop.  If they have returned your premiums, they do not owe for the accident. Did you pick up coverage with another carrier once you cancelled?  If not, you probably do not have coverage for this accident. 

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