# NEED HELP IMMEDIATELY!!

**URL:** <https://boards.straightdope.com/t/need-help-immediately/93838>\
**Category:** Miscellaneous and Personal Stuff I Must Share\
**Created:** [November 16, 2001, 11:00pm UTC](https://boards.straightdope.com/t/need-help-immediately/93838 "2001-11-16T23:00:49Z")\
**Posts on this page:** 5\
**Page:** 1

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**Author:** ![Rilchiam](https://avatars.discourse-cdn.com/v4/letter/r/2bfe46/32.png) [@Rilchiam](https://boards.straightdope.com/u/Rilchiam)\
**Post date:** [November 16, 2001, 11:00pm UTC](https://boards.straightdope.com/t/need-help-immediately/93838/1 "2001-11-16T23:00:49Z")

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Mr. Rilch and I are in the process of changing insurance companies. This was in the works long before my car was broken into night before last. I got a call from the insurance broker asking me to come in and have my VIN number photographed. Should I not do so just yet? I mean, would they refuse to cover me if they see the damage to the car that wasn’t there when I filled out the application?

I need to know this in about ten minutes. Sorry to panic, but that’s as long as I can wait before I can’t go at all. Thanks in advance!

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**Author:** ![Liberal](https://avatars.discourse-cdn.com/v4/letter/l/848f3c/32.png) [@Liberal](https://boards.straightdope.com/u/Liberal)\
**Post date:** [November 16, 2001, 11:05pm UTC](https://boards.straightdope.com/t/need-help-immediately/93838/2 "2001-11-16T23:05:15Z")

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I don’t think they’d refuse to cover you. But surely, you don’t expect they would cover damage you had before you bought their policy. I’ll assume that you’re **not** trying to figure out a way to trick them or anything.

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**Author:** ![Rilchiam](https://avatars.discourse-cdn.com/v4/letter/r/2bfe46/32.png) [@Rilchiam](https://boards.straightdope.com/u/Rilchiam)\
**Post date:** [November 16, 2001, 11:13pm UTC](https://boards.straightdope.com/t/need-help-immediately/93838/3 "2001-11-16T23:13:01Z")

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No, I don’t want them to cover it. I’m just afraid that they’ll say, “We won’t cover that car; it’s a risk.”

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**Author:** ![Rilchiam](https://avatars.discourse-cdn.com/v4/letter/r/2bfe46/32.png) [@Rilchiam](https://boards.straightdope.com/u/Rilchiam)\
**Post date:** [November 16, 2001, 11:18pm UTC](https://boards.straightdope.com/t/need-help-immediately/93838/4 "2001-11-16T23:18:39Z")

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All right, I’ve got to go, to get a new garage remote. I’ll decide whether or not to go to the insurance. This also depends on whether I have time after the garage remote.

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**Author:** ![Rilchiam](https://avatars.discourse-cdn.com/v4/letter/r/2bfe46/32.png) [@Rilchiam](https://boards.straightdope.com/u/Rilchiam)\
**Post date:** [November 17, 2001, 2:01am UTC](https://boards.straightdope.com/t/need-help-immediately/93838/5 "2001-11-17T02:01:03Z")

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Update: I didn’t go to the insurance broker. Didn’t have time. Mr. Rilch and I will sort it out.

Mods, please close this thread. Also, I hope I didn’t scare anyone!