Home
Chevron Icon
Auto Insurance
Chevron Icon
Major Accident
Major Accident

Need car insurance after a major accident?

If you were involved in a serious accident, you may still have insurance options available. We help drivers understand what comes next and explore coverage based on eligibility.

Secure online quote process. Same-day coverage may be available.
Get a Quote
Icon of a grey phone
Or, Call (833) 855-3770
Se habla español
Sun Coast Helps Drivers

We help drivers after serious accidents

Accidents happen — even careful drivers can face unexpected situations. The next step is understanding what coverage options may still be available.
Were involved in an at-fault accident
A recent accident may affect eligibility, but options may still exist depending on your full history.
Had significant property damage
Claims involving substantial repairs can impact renewal decisions and pricing.
Had an injury-related claim
Injury claims often receive additional underwriting review when exploring new coverage.
Were non-renewed after an accident
Some carriers choose not to renew policies after major claims. Exploring alternatives may help restore coverage.
About Auto Insurance

How a major accident affects insurance

Every situation is different. Factors such as fault, claim amount, prior driving history, and time since the accident all play a role.
‍
After a serious accident, insurance companies may:
Increase your premium
Review your driving history more closely
Limit available coverage options
Decide not to renew your policy
We’re here to help

How the process works

Getting Auto Insurance is easy with Sun Coast General Insurance.
Get a Quote
Icon of a grey phone
Or, Call (877) 240-4678
Se habla español
Start Your Quote
Complete the secure online form with accurate accident and driving history information.
Review Coverage Options
See insurance options based on underwriting guidelines and eligibility.
Activate your policy
If eligible, you can bind coverage and receive proof of insurance.

Insurance ID cards may be available immediately after binding.
Coverage Details

Trying to avoid a lapse in coverage?

If your policy was canceled or not renewed after an accident, restoring active insurance quickly can help prevent additional complications. Starting your quote allows you to see what options may be available.
Support

Got questions?

We have answers for you on all things insurance.
Can I get insurance after an at-fault accident?
Insurance options may still be available depending on your driving record, the severity of the accident, and eligibility guidelines.
How long does an accident affect my insurance rate?
Accidents typically remain on your driving record for several years. The impact on pricing may decrease over time depending on state rules and insurer guidelines.
What if my previous insurer declined to renew my policy?
Non-renewal by one company does not necessarily mean you have no options. Eligibility varies by carrier.
Will I need an SR-22 after an accident?
An SR-22 is generally required for certain violations or court orders, not simply for being involved in an accident. Requirements vary by situation.
Can I get coverage the same day?
Coverage activation may be available the same day depending on eligibility and underwriting approval.
Reviews

See What Our Customers Are Saying

From excellent discounts to optional 24/7/365 support when you need it, there are many reasons to choose Sun Coast Auto Insurance.
“Great rates. Flawless transaction best rates I found!”
Icon of CJ
CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
Icon of Chelsea
Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
Icon of Shantell
Shantell
Sun Coast Customer
“Great rates. Flawless transaction best rates I found!”
Icon of CJ
CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
Icon of Chelsea
Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
Icon of Shantell
Shantell
Sun Coast Customer

Ready to explore your options?

If you’ve been involved in a major accident, the next step is seeing what coverage options may be available.
Get a Quote
Or, Call (877) 240-4678
Sun Coast General Insurance logo
Any Questions?
Get in touch! We’re here to help.
Icon showcasing the USD dollar icon
Call for a Quote:
(877) 240-4678
Icon showcasing an image of a phone
Existing Customer? Call us:
(800) 300-8838
Personal Insurance
Auto
Mexico Auto
Yacht
New
Boat
Watercraft
Business Insurance
Business Owner's Policy
Commercial Auto
General Liability
Workers Compensation
Professional Liability
Top Professions
HVAC Insurance
Lawn Care Insurance
Plumbing Insurance
Pressure Washing Insurance
Wedding Photographer Insurance
Quick Links
Contact Us
Report a Claim
Become a Producer
State Licensing
Blog
Community Partnerships
Copyright Sun Coast General Insurance Agency, Inc. |  PO Box 30750, Laguna Hills, CA 92654-0750
SitemapPrivacy Policy
Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.