I lower my car insurance deductible a week ago, would the insurance company accept my claim today?

February 18, 2017 · Posted in FAQ 
car insurance
Tyier b asked:

Because of the bad snowy weather we been having, I recently lower my car deductible from $1000 to $250 . My car just sliped today and hit a curve. I took it to have it checked, and the shop told me it would be around $3000 to get the car fix. Would my insurance company think that i lower my deductible after the incident happened? Would they cover the damage? Should i wait before trying to file the claim?

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11 Responses to “I lower my car insurance deductible a week ago, would the insurance company accept my claim today?”

  1. jimdoris2k on March 31st, 2009 5:32 pm

    I hope you have witnesses or proof of the date of the accident. If you do you are OK, if not you may have a problem.

  2. john k on April 3rd, 2009 11:41 am

    yes.they have no choice it goes in to effect as of the moment you made change

  3. sean C on April 4th, 2009 3:05 am

    File immediately, they can’t honestly say that you knew bad weather was on it’s way. They should know that when you lower your deductible, your taking away coverage. So in reality you probably got less that you might have gotten before. If you had increased you coverage, then I could see them being suspicious.

  4. mtwaites on April 5th, 2009 5:28 pm

    You unfortunately only have approximately 48 hours to make a claim. It is something that is unfortunate, but things happen. It is better to get your car fixed right now, then have other problems later.

  5. John S on April 9th, 2009 4:36 am

    Did you fax your request in via righting or call it in? If the agent or broker made the request for you , then you have changed the deductible and they have no choice except to accept the lower deductible. By lowering your deductible you would probably be paying more in premium dollars anyways. Many people change deductibles all the time. Here is a good source of auto insurance information -http://www.insuranceria.com

  6. Michael S on April 12th, 2009 1:48 pm

    The insurerance must have been valid AT THE TIME OF THE INCIDENT. Retrospective claims are not permitted. Provided you were insured at the time, they will cover you.

  7. Kizzy on April 13th, 2009 6:51 pm

    If the amendment was accepted right away & they didn’t need an inspection or any paperwork from you, it should have gone in affect right away.

    Some adjusters may look at it this way, but who cares?

  8. entidtil on April 16th, 2009 12:13 am

    They will be suspicious, especially if you did not call the police at the time of the accident. Tip: Don’t try to make a claim if this accident really happened before you lowered your deductible. That is called insurance fraud and is subject to jail time.

  9. LARRY A on April 16th, 2009 1:25 am

    Easy answer,nope.Not solvable question,nope.Have a look here ,your answer may be here

  10. Scott H on April 16th, 2009 4:54 pm

    Prepare to have your claim investigated very carefully by the insurance company. This smells funny to me.

  11. Brittany B on April 20th, 2009 1:07 am

    File the claim right away. Even if the accident happened 1 hour after you lowered your deductible, you should be covered. Didn’t they take pictures of your car when you lowered it? I don’t know if that’s standard procedure or not…maybe they only do that when you buy a new insurance policy.

    I’ve bookmarked this site…

    Best of luck to you.

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