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Pre-existing damage refers to any damage or condition that existed on a property or vehicle before an insurance policy was issued or before a covered event occurred. This can include wear and tear, previous accidents, or other existing issues.
Insurance companies generally do not cover pre-existing damage. If a claim is filed for damage that appears to be pre-existing, the insurer may deny the claim or only cover the portion of the damage that is directly attributable to the covered event.
To avoid potential disputes, it’s crucial to disclose any pre-existing damage to your insurance company before purchasing a policy. This allows the insurer to accurately assess the risk and determine appropriate coverage. Additionally, it’s important to document any pre-existing damage with photos or repair records.
At PSIC, we strive for transparency and fairness in our insurance policies. Before issuing a policy, we conduct thorough inspections of properties or vehicles to assess their current condition. This helps us accurately determine the level of coverage needed and identify any pre-existing damages.
Regarding motorcycle insurance, we understand that bike can have wear and tear or minor cosmetic damage that may not affect their functionality. However, we’re unable to provide comprehensive and collision coverage for pre-existing damage. This means that if your motorcycle has existing scratches, dents, or other damage prior to the policy’s effective date, it won’t be covered under these specific types of coverage.
If you have any concerns about pre-existing damage or the specific coverage options available for your motorcycle, we encourage you to contact your agent. They can provide personalized guidance and help you understand your policy’s terms and conditions in detail.
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5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807
Copyright © McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
