can i up my policy before reporting an accident?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 9, 2012

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Insurance Question from Hot Springs, AR

Asked on 08/09/2012

can i up my policy before reporting an accident? motorcycle coverageno other vehicles involvedlay overadding comp and collision

Answer given on August 10, 2012

You can add coverage to your motorcycle insurance policy before reporting a claim, but the addition of the coverage will not apply to the current damage to the bike. You will have to give the date of the loss and if you file a false report to get the coverage, by changing the date of the loss, you could face criminal charges and lose the insurance policy that you have. You would also not be able to find replacement coverage with a different company, since insurance companies report to an agency that notifies all companies of such fraudulent claims.The best way to handle this will be to pay to repair the bike and then add the comprehensive and collision coverage. The cost is not that high, depending upon what type of bike you have, your driving record and the ccs on it. You can choose higher deductibles to keep the costs down, but of course that may make any small claim self insurec.

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