Can I Change Car Insurance In The Middle Of A Claim? 
You can always change insurance companies , there 's nothing to stop you . However , you may want to stick with what you have during a claim . Legally , an insurance company has to settle claims according to their policy whether you 're still insured with them or not . In practice , these are human beings working on your claim and they may not always give you consideration if you 've cancelled your coverage with them . Let 's look at an example . Let 's say you 've gotten into an accident and you 're car is in the body shop . You want OEM parts installed on your car , but the insurance company wants to use aftermarket parts because they cost less . They have more of an incentive to honor your request if you 're still insured with them because they see an opportunity to offset your claim with future premiums . Another factor to consider is the company you want to go to . They may not want to insure a car that has unrepaired damage . It 's totally up to the company . Now , in my experience , you would only ask the question if you do n't like how your claim is being handled . If you were totally satisfied , you would n't think about switching . My advice is to stay with your current company and negotiate with their claims department to get your claim settled to your satisfaction . Check your policy , all companies have an appeals process if you do n't agree with how your claim is being settled . Take advantage of it . You may get some consideration and a better settlement . If you 're still unsatisfied , you can always consider the courts , but this is a risky proposition unless you 're sure you 're in the right . After your claim is settled , you can explore new companies . A good agent will help you with claims if you 're not satisfied . They can not always ensure you 'll get what you want , but a good one will go to bat for you . In my opinion , finding the right advisor is the most important decision you make . In the long run , you 'll come out ahead even if they 're more expensive now . The cost of your coverage is n't just the premium , it 's what it costs you in time , money , and aggravation at claim time . 