This is the situation I am currently in. About a month ago I was hit by a uninsured driver, completed a police report and filed a claim with my previous insurance company(GEICO). At the end they told me I had to go through my own insurance to get my car fixed, my deductible at that moment was $1000 so I did not have the funds to get it fixed. Since then I have switched insurance companies with lower deductible and was wondering if it would be possible to use them and get my car fixed.

 

Short answer is no. I doubt an insurance company will pay for a claim that occurred prior to providing coverage for your vehicle. If you file a bogus claim, you're committing insurance fraud.

Better off filing a claim through small claims court, but if the person that hit you has no assets or wages that can be garnished, it would be a waste of time.

 

How much did the damages cost?

 

I was quoted around the $800s by different shops.

 

Oh, then no, you're SOL.

 

nope. claim is handled by insurance at time of accident not insurance u currently have. and like others said lying etc about it would be fraud and easily caught. sadly its on you to fix it.

 

Small claims is only option. Not very promising either. Probably would b wasting your time.