Is It Possible To Insure A Car With Prior Damage?

​While most people want a new car, not everyone shares the same sentiments. Some purchase a car even when it is a bit damaged, particularly if the budget is low. In spite of that, you want protection in case of a major accident. It is possible to obtain physical damage coverage for your new car with prior damage. 

Why Prior Physical Damage Matters
Insurance companies take strong measures to prevent insurance fraud. The new insurer that does not provide insurance coverage for the existing or prior damage is not responsible for anything. 

It is definitely a concern if the insurance carrier insures a car against physical damage that has prior damage. This is because a future claim could likely cover the prior damage. In general, insurance companies view a damaged vehicle as a high risk, particularly for future claims. 

Things You Need To Do
To begin with, remove the cost of repair from the car purchase price. If you save money for the purchase price, you may not have available money for repair expenses. Obtaining auto insurance can help protect your vehicle from potential damage.

• Disregard prior damage. The adjuster may inform the body shop to repair the damage in the current filed claim, and ignore the prior damage. It this is not a concern to you, you would only pay the deductible on the latest claim. 
  
  
• Multiple claims. Your adjuster may opt for separate filed claims to cover current and prior damages. Provided that your policy has the list of proper coverage during the time of prior damage, all repairs can be done at the same time and you would pay the two deductibles. 
  
  
• Be honest. It is essential to inform the adjuster regarding the prior damage. Being honest about the details, minor or serious, puts you in a better light. Denying the existence of the damage or attempting to hide it is not a good idea. Know that they may repair all damages under one claim if the latest damage overlaps the damage before. 

Although your car has prior damage, there is less chance of facing insurance fraud in case you file a claim. Everything will be fine as long as you do not cover the prior damage in the current claim.

At Berlin & Denys Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (800) 946-3303. Get your free quote today by CLICKING HERE.