General Insurance

Do I have a legal three-day window to drive to NY in my new car without plates?

There is no legal window where you can drive without the plates. If you are buying through a dealership they should be able to assist you on behalf of the state of Virginia in obtaining a temporary plate.
Nov 1, 2020 Fredericksburg, VA

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Coverage & Claims

I have 2 cars insured and bought a new car but got into an accident before I could insure it. Is my accident covered?

Unfortunately, you and the vehicle were not insured during the time of the accident, and if no policy was bound at that time, then you would not have coverage for the accident. Insurance will never backdate and trying to get them to cover an accident that already occurred is considered fraud.
Nov 17, 2019 Elmwood, WI

General Insurance

A friend is purchasing a car for me tomorrow, I'm wondering if there is a temporary policy I can get through the dealership until I can shop for my own policy?

Temporary car insurance doesn't really exist. You will likely have to get a Texas auto insurance plan before they let you leave with the vehicle.
Oct 3, 2019 Katy, TX

General Insurance

We will be purchasing our first car shortly before moving from WI to CA. How should we navigate car insurance?

Every state has separate laws, insurance plans, and registrations, but you shouldn't have an issue buying a vehicle in one state and moving to another state. If at all possible, I would wait and buy the vehicle in California — this way, you would only pay all the fees once.
Aug 19, 2019 Milwaukee, WI

Coverage & Claims

Do I need to tell my insurance company if I added modifications to it?

It's always a good rule of thumb to keep your insurance company in the loop to any changes in your vehicle. For instance, if you want the custom parts covered, you will need to contact the insurance company to add the additional coverages for custom parts and equipment.
May 11, 2019 Cameron, NC

General Insurance

How long do I have in Illinois to add a new vehicle to my current insurance policy?

Typically, you have up to 14 days to add a new vehicle to your policy. Every company is different so always check with your specific insurance company for their guidelines.
Apr 30, 2019 Peoria, IL

General Insurance

How long do I have in Illinois to add a new vehicle to my current plan?

Typically, you have up to 14 days to add the vehicle to your new policy. Every company is different so always check with your specific company for their guidelines.
Apr 26, 2019 Peoria, IL

General Insurance

In Michigan is there a grace period to get insurance on a vehicle when you buy it?

He would need to get insurance to before he drives the vehicle. There is no grace period in Michigan.
Apr 5, 2019 Rogers City, MI

Car Insurance Costs

Can I pro rate a car if I add it to existing policy?

You are correct. They will prorate the change to the plan and add it to the existing term.
Jul 7, 2018 Orlando, FL

General Insurance

How long do I have in Nevada to add a car to my policy

To my knowledge, there isn't a law in the books regarding a grace period for adding a new vehicle to an existing policy in Nevada. However, most insurance do have a certain grace period in their policy documentation that allows for extended coverage to newly purchased vehicles.
Jun 8, 2018 Las Vegas, NV

Coverage & Claims Eligibility General Insurance

Do I need a license plate in NY

In New York, you are required to have it plated no matter what. I would contact the DMV and see if they offer a temporary tag if you just need to get it moved.
Apr 28, 2018 Phelphs, NY
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