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Can You Change Insurance Companies During Auto Accident Claims in Michigan?


What happens if you’re dissatisfied with your current insurance company? Are you allowed to switch insurance providers during the claims process? 

This article will delve into changing insurance companies during auto accident claims in Michigan.

Switching Insurance Companies

If you are dissatisfied with your current insurance company while undergoing an auto accident claim, you may wonder if switching to another insurer is viable. The answer is yes; you can change insurance companies during the claims process in Michigan. However, it’s essential to understand the potential implications and steps involved.

Review your policy

Before considering a switch, carefully review your existing insurance policy. Pay close attention to any specific terms or conditions related to canceling or changing providers.

Evaluate your needs

Determine what aspects of your current insurance coverage are unsatisfactory. Are you unhappy with the claims handling process, customer service, or coverage options? Assessing your needs will help you find an alternative insurer that meets your requirements.

Research new insurance providers

Take the time to research and compare insurance companies to find one that aligns with your expectations. Consider customer reviews, financial stability, coverage options, and pricing.

Obtain quotes

Contact multiple insurance companies to obtain quotes based on your coverage requirements. Ensure you provide accurate and complete information about your accident and current policy to receive accurate quotes.

Notify your current insurer

Once you have selected a new insurance company, inform your insurer of your intention to switch. Follow the procedures outlined in your policy regarding cancellation or termination. Remember that you may be subject to penalties or fees for canceling mid-term.

Continuity of coverage

Ensure no gap in your insurance coverage during the transition. Coordinate with your new insurer to activate the range immediately after canceling your old policy.

Considerations and Potential Implications

While changing insurance companies during an auto accident claim is permissible in Michigan, it’s essential to consider a few factors that may impact your decision.

Pre-existing injuries

Switching insurance providers might affect your ongoing coverage if you have sustained injuries from the accident and are already receiving medical treatment. Make sure your new policy covers your existing injuries.

Claim process interruption

Changing insurance companies’ mid-claim may cause a temporary disruption in the processing of your claim. Coordinate with both insurers to minimize delays and ensure a smooth transfer of information.

Statute of limitations

Michigan has specific time limits for filing personal injury lawsuits. If you intend to sue for additional damages beyond what your insurance policy covers, be aware of the applicable statute of limitations to avoid missing out on any legal recourse.

In Michigan, you can change insurance companies during your auto accident claim. However, it’s essential to understand the potential implications and follow the necessary steps to ensure a smooth transition. Evaluate your needs, research alternative providers, and coordinate the transfer of your claim carefully. 

Consult an experienced insurance professional or attorney to navigate any complexities and make informed decisions regarding your coverage during this challenging time.

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