How do you make an insurance claim when you are not insured?

Answer 1

Insurance is a contract in which you, the insured, pay a premium to the insurance company. In return, the insurance company agrees to pay you money-or to pay someone else money on your behalf (in the case of liability insurance) if a covered event occurs. Covered events are outlined in the policy and vary depending upon the kind of insurance involved.

In answer to your question, you cannot make a "first-party" insurance claim if you have no insurance. A first-party claim is one against your own insurance company for property that you insured for your own protection.

However, regardless of whether or not you had insurance, you may be able to make a "third-party" insurance claim against a party that damaged or destroyed your property, if that party had insurance. Even if they did not, you can make a claim against the party individually if you can prove fault. However, collecting damages from an uninsured third-party is often difficult.