Can somebody tell me if i am covered if i buy a new car and dont have insurance on it, but i do on my other ca

mort

the only way you have insuranse is vin# on car needs to match your ins. card that is so easy to git

If you were stopped driving the car from where you bought it to the closest insurance agent it's a grey area.Otherwise you were operating an uninsured vehicle on a public road. Had you broadsided a schoolbus,your other insurance wouldn't have had to compensate anyone.Thank God all you got was a ticket.

andry713

No. Just because you have insurance on one car, doesn't mean you automatically have insurance on a new car that you buy. You have to pay for insurance on each individual car. A policy doesn't automatically cover every vehicle you have. But, that's assuming you didn't get the car insured. If you did get it insured, and it was just a matter of you not having a new card yet, that's different. I'm sure the judge would throw out the ticket if you can prove you had insurance on the new car at the time the ticket was given, even if you didn't have proof of it to show the officer.

BLONDIE

No it does not count. Insurance cover's the car not the driver. The car dealership should've had coverage on the car. But your insurance would not cover that car. You can't insure something you don't own. If you bought the car you should have called your insurance company and told them you switched car's. If you were just test driving then no coverage.

Sal G

In New Mexico with Progressive there is a scenario that if the new vehicle is a replacement vehicle for the previous vehicle then you have 30 days to get insurance on the replacement vehicle.
Check with your agent immediately. If this fits your scenario then you can take this information along with a letter from your agent to the judge.

scornedgypsy

nope, goes by vin # unless it states non ownership insurance

Irish1952

You should have contacted your insurance company ASAP after buying a new car. Auto insurance can then be transferred over to the new car.

bostonianinmo

Check your policy. Many actually do cover a newly acquired vehicle for up to 30 days as long as you notify the insurance company within 30 days of acquiring the vehicle. Your premium will be adjusted as of the date of purchase so delaying won't save you any money.

The downside of doing this is that you don't have proof of insurance if you're stopped before you take care of the insurance. Bring your proof of insurance to court and if it shows that you had coverage when you were stopped the charges will be dropped.

If your policy does NOT have this feature -- and not all of them do -- then you were uninsured and the ticket will stand. In that case, pay the fine. There's no way out of it in that case.

jpgregory2001

No your not covered unless you have called your insurance co and had them add it onto your policy. The insurance you have on your other car is just that, on your other car.

roland_reardon

Generally speaking, a new car that you get will be covered for 30 days from when you buy it, so you have time to tell your insurance agent / company about it and get it added to your policy.

But, not all insurance policies are like that. Crappier ones or high risk ones sometimes don't give any coverage at all until you have notified the agent / company and they have added it to your policy (leaving a voicemail after hours does not count as notifying them).

So, from the cops' POV, you wouldn't necessarily have insurance on it.

Even if it is 'covered', maybe you have some kind of obligation to have valid proof of insurance on that vehicle with you.

People get tickets for that all the time, even when they have insurance and the car is on their policy and everything.

"Valid Proof of Insurance."

No piece of paper = ticket.

Justsyd

Yes, it counts. You should have called your insurance company as soon as you purchased the new car, if you did, you're covered.

Chris

From the insurance standpoint you should have 30 days of coverage without adding it. You'd have to check because things vary by state and company, but in general, if it replaces a car on your policy you have until your policy expires to make the change. If it's an additional vehicle you only have 30 days of coverage and you must add it within those 30 days. After that, it won't be covered. As far as proof with the police, they could be right to split hairs over that.

Billy

I know in MN you get 30 days to insure new vehicles, if you have full coverage on the current vehicle on your policy you have full coverage on the new vehicle. As with any insurance ticket you get a grace period to send them proof of insurance, call your agent, the endorsement will back date to the date of sale, and have him email or fax you proof of insurance.

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