west virginia

Vacant or unoccupied homes are still covered under many homeowners plans. You'll just want to specify that the home is vacant upfront as you search for a new plan.

Most insurance companies give you 14 days to update the policy with the new vehicle and will cover the new vehicle for those 14 days. Every company is different so make sure to check with your insurance company to for the exact information.

I would contact the police and let them know the insurance information provided is invalid. Give them all the information you have available to you; the other driver's license plate, police report, all photos of the incident, etc.

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage.

Technically since you traded in a vehicle that already had an active policy, your new vehicle should be covered. Most insurance companies will automatically cover a new vehicle, for existing policy holders, for a few days until you are able to contact them to change vehicles on your policy.

This can vary by company so your best bet is to add the new vehicle as quickly as possible to avoid any issues with your finance company or insurance provider. Generally speaking, there is a 14-30 day window for you to add your vehicle and have it insured from the date of purchase.