Can I change my car insurance if I had an accident?
January 9, 2023 | 40,00 EUR | answered by Katrin Sontheimer
Dear Insurance Lawyer,
My name is Lucas Lehmann and I recently had a car accident. It was an accident that was not my fault, where the other driver failed to yield. Fortunately, no one was injured, but my car suffered significant damage. My car insurance has assessed the damage and informed me that the repair costs are high and I will have to bear some of the costs myself.
Now I am considering whether it is possible to switch my car insurance. I am not satisfied with my current provider, as I feel they do not offer me the full protection I need. Additionally, I am concerned that my premium will be increased after the accident and I will have to pay higher premiums in the future.
My question to you is: Can I switch my car insurance even if I have had an accident? Are there any specific deadlines or conditions that I need to be aware of? And how can I ensure that after the switch, I have insurance that adequately covers me in the event of another accident?
Thank you in advance for your help and advice.
Sincerely,
Lucas Lehmann
Dear Mr. Lehmann,
Thank you for your inquiry regarding a possible switch of your car insurance after an innocent car accident. I am sorry to hear that you are unsatisfied with your current insurer and are concerned about a possible increase in premiums. I am happy to answer your questions and provide you with some important information on this matter.
In general, it is possible to switch your car insurance even after an accident. There are no specific legal deadlines or conditions that you need to consider. You can cancel at any time and switch to a new insurance company. However, it is advisable to do this after the settlement of the claim to ensure that all costs are covered.
If you decide to switch your car insurance, make sure to find a new insurance that meets your individual needs and requirements. Therefore, compare different offers in terms of coverage, quality of service, and premiums. Pay particular attention to the new insurance providing adequate coverage for damages and being there for you in case of another accident.
It is important to proceed carefully when switching insurance and follow all necessary steps. Learn about the cancellation deadlines with your current insurer and inform them in a timely manner if you wish to cancel the policy. Also, pay attention to possible cancellation dates and deadlines to ensure a smooth process.
Finally, I recommend seeking comprehensive advice before switching insurance to ensure that you make the right decision. A specialist lawyer for insurance law can help you review the contract terms and minimize any risks.
I hope that this information has been helpful to you. If you have any further questions, please do not hesitate to contact me.
Best regards,
Katrin Sontheimer
Insurance Law Attorney
