If your car insurance has lapsed and your car is totaled, then you have a concern here. You should know that you have to face some issues before you totally decide on switching companies.
There are three things you should check and these are the lapse in auto insurance coverage, total loss and car insurance, and deciding whether to truly switch or not.
Lapse in Auto Insurance Coverage
Some auto insurance companies are quite particular with late payments. If the lapse is too much, it may lead to policy cancellation. The thing you should note is whether your insurance is canceled or not. So it is important to talk to their customer service department right away.
In relevance to totaled car
The representative will explain how the insurance company will handle the situation. If you are still not canceled or void with your policy then they can certainly help you with your totaled car condition. This is very important, you may want to even ask for your options on how to continue your services with them even with the existing laps. Pay insurance fees as suitable and file claims if possible.
Take note that if you pay for your lapses you may be reinstated with the company and make it even more difficult to transfer. This is of course a cases to case basis.
Deciding whether to switch or not
Of course, when you have lapsed and the insurer already canceled your policies then there is no point in staying. Find a new auto insurance right away. The thing to consider however is the higher premiums you get, especially for companies that check credit score. The thing is you will need help with your totaled car and you can check if the new company can offer you or not. Though the chances are low, this could still be possible.
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