I hit a deer in October of 2006. I called the highway patrol and they filled out a report. I also filed a claim and got an estimate the next day. At the time, paying the $500 deductible just didn't seem worth it for the amount I thought I could fix it for myself. Now after a year and 4 months, I have decided that I would like to pay the deductible and get the damage fixed. I called the body shop that did the estimate and they said to check with the insurance company, so I did. They said they would get back to me on it, but they didn't today like they said. I have a feeling they might not let me get it fixed since it has been so long and also because I no longer have coverage with them. Am I just out of luck, or do they have to let me get it repaired since it was covered at the time of the accident? I have the previous estimate and so does the body shop, isn't that all I need? The prices may be more now, but they should still fix the same things right? The car has not sustained any further damage since then. Thanks so much! ~Michael

Yeah if you no longer have coverage with them there is no way they would cover it and you would have had to have it taken care of right after the accident anyway.