Are car insurance companies open on Sundays?

From time to time, you may need to place an urgent call to your insurance company and may wonder if you’ll get a reply on a Sunday. We understand why you might want to check with a representative on the weekend, so we have researched your question and provided you with the answers below.

Are car insurance companies open on Sundays?

Most insurance company offices are closed on both Saturday and Sunday but will usually have a number you can call at any time if you need to speak to someone urgently about an insurance claim. When you’re buying a car on a Sunday, you may be able to get an automatic extension as part of your current policy before talking to an agent during traditional opening hours.

What if I have a car accident on the weekend?

If you’re in a car accident during a Saturday or Sunday, you should call the number on your insurance card immediately. All insurance companies have full-time, 24/7 access to claims personnel and will help you process the claim right away.

Are insurance companies open on weekends for filing claims?

Yes, you can make an insurance claim on a Sunday. Call the number on your insurance card or the toll-free number you will find on the company’s website. A representative will discuss the details with you and advise what to do next. They may take the preliminary information and start the claims process. 

In some cases, you will need to call again during normal business hours to complete your claim. 

What if I want a quotation for a new or replacement car?

If you want to know how much it’ll cost to insure a replacement vehicle, you can gather the information you need to get an accurate car insurance quote and use an online calculator to estimate your insurance rates. Depending on specific policies, you might be able to talk to someone at the company on a Sunday, but you can verify any online estimate during business hours.

What if I need to verify my insurance?

You should have a proof of insurance card or may be able to use a smartphone app instead. Both options will allow you to verify insurance coverage if you have been asked to do so.

What if I want to buy a new car on a Sunday?

Some states allow car dealers to trade on Sundays as they are not subject to certain laws. If you want to pick up your vehicle on a Sunday, the dealer will insist that you have insurance before handing over the keys. Determine when you need to buy insurance after buying a new car, and check your policy to see if you have a “newly acquired provision,” which will give you an automatic extension in this situation. You will then need to call the insurance company to formalize the arrangement during regular business hours.

Remember that if you are buying this car on a lease, the finance company will insist that you have comprehensive and collision coverage so that you protect the interests of the finance company. If your current policy already has these provisions, you should be okay. Otherwise, check with the company to see if you can handle this via phone on the weekend. 

For example, Geico opening hours are listed as 24 hours per day, seven days a week, where it says that experienced agents will help deal with any paperwork or manage a policy. It’s best to call them ahead of time to see what they can help you achieve on a Sunday.

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Are car insurance companies open on Sundays?

Many companies offer a 24/7 service, but you should check with a specific company to see what it can do on a Sunday. Insurance companies will always help you with a claim should you have an accident. You may be able to get an automatic extension to your existing policy if you buy a car on a Sunday.

Case Studies: Car Insurance Companies’ Availability on Sundays

Case Study 1: Claim Assistance

John was involved in a car accident on a Sunday. Worried about the immediate steps to take, he wondered if insurance companies operate on weekends.

He called the number on his insurance card, and to his relief, a representative promptly answered his call. The representative guided John through the claims process and ensured his claim was initiated without delay.

Case Study 2: Filing Claims

Mary had a minor accident on a Sunday evening. She needed to file an insurance claim but was unsure if insurance companies were open on weekends for claim filings. Mary called the toll-free number found on her insurance company’s website.

A representative was available to discuss the details of her accident and provide guidance on the next steps. The representative took the preliminary information and initiated the claims process. Mary was informed that she might need to follow up during regular business hours to complete her claim.

Case Study 3: Policy Extension

David decided to purchase a new car on a Sunday. He needed to ensure his new vehicle had insurance coverage before taking ownership. David’s existing policy included a “newly acquired provision,” which allowed for an automatic extension in such situations. He called his insurance company and spoke to an agent during regular business hours to formalize the arrangement.

Case Study 4: Insurance Verification

Sarah received a request to verify her insurance coverage. She wanted to know if she could handle this on a Sunday. Sarah found that she had a proof of insurance card and opted to use a smartphone app for verification. Both options allowed her to fulfill the verification requirement promptly.

Case Study 5: Obtaining a Quote

Michael was interested in obtaining a quote for insuring his new replacement car. He wondered if he could reach out to insurance companies on a Sunday for accurate estimates.

While some companies might have representatives available on Sundays, Michael decided to gather the necessary information himself and used an online calculator to estimate his insurance rates. He planned to verify the estimate during regular business hours.

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