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Is there a way to get backdated car insurance?

I was thinking about adding collision to my car insurance policy but never did. Last week, I was involved in an accident, and boy do I wish I had that coverage now! Is there a way to get backdated car insurance so that I can be covered

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I am sorry to hear that happened to you!
I wish I had better news for you, but
car insurance
 companies only backdate coverage for specific situations. Coverage changes are usually effective the day or day after contacting the insurance provider. New vehicle purchases can be backdated up to seven days, depending on the company.
Has the fault of the accident been determined yet? If you are found not at fault, the other driver will pay to repair your vehicle with their
property damage liability
. The best course of action is to update your policy with comprehensive and collision coverage moving forward.
It is a time like this where having experienced and reliable insurance agents working with you comes in handy. So before your next policy renewal, download the
Jerry
 app. Not only does Jerry shop the lowest prices with over 50 different insurance companies, including Nationwide, Allstate, Travelers, and Progressive, to find you the best deal, but licensed agents are also only a text away if you have any questions! The average Jerry driver saves $879 a year on car insurance!
MORE:
Why people switch car insurance companies, explained
Collision CoverageCar Insurance ClaimsCar Accidents
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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