i recently purchased a second vehicle from a private owner while driving home i was ticketed,no insurance,ouch

Question

i was covered on my other car under an exsisting policy ,are there any provisions , for transporting vehicles that have just been purchased?

Answer 1

Call your insurance most times you are covered and have 10 days to get the new car on the policy. I know that is how mine works

Answer 2

And you are surprised? Why? Insurance is specific to the vehicle, and the fact you had insurance on your other car didn't make a bit of difference on the one you had just bought. You don't drive without insurance, period. Since you had insurance and an agent, you should have contacted him when you decided to buy another car and had a card issued for it.

Are there provisions for transporting vehicles just purchased? Sure. Get insurance first and drive them, or have them towed and get the insurance later.

Added: Those of you claiming you are covered for weeks when you buy another car with your existing policy, you guys are wrong. Don't believe me? Call your agent and ask. You *might* be briefly covered if you trade a car in for a new one, but I wouldn't count on that either. You definitely are not when you buy a second vehicle. If you were, everyone would just need one policy and could have a fleet of cars uninsured for a time period.

Answer 3

Check with your insurance company, you may automatically have so many days of coverage for a car you have just puchased (new/used does not matter) , but if you do it's not something they advertise or tell you about.

Since you need to call them anyway to add the car to your policy that's perfect time to ask. To be safe I'd just leave the car parked off the street somewhere til you do add it to your policy.

Back in 1981 when i was in living in CA I learned that I had automatic 30 days coverage for a newly acquired vehicle because I wrecked mine. It provided me the same coverage that i had purchased for my other car, in my case meaning liability only, my car repairs were not covered but everything else was.

In your case the coverage does not matter all you really need is proof that you had insurance in force when you were cited.

In my case I had insurance with AAA I don't know whether that was unique to AAA or something that is usual and customary in the insurance industry. It's 26 years later and things may have changed, and of course things typically vary from state to state, but it never hurts to ask.

Answer 4

You should have just gotten a warning citation. Then go to the courts and show that you had previous insurance and that you just purchased the vehicle. Take the purchase receipt with you. And make sure you always sign your registration. You will get a ticket for that if you don't sign it. That happened to me. I had to prove to the courts that I signed my registration. Also, in the future switch your insurance before you purchase a new car. Good luck and no more tickets..........buckle up!

Answer 5

As long as when your court date comes up you have valid insurance...the courts should dismiss the ticket...it depends on which state you are in...if it is a replacement car then the coverage that you have on the old car would be placed upon the new car...but you should let your insurance company know ASAP...it is true that some states have a 'grace' period to get the new car insured but again that depends on the state that you live in...I would call you insurance company or agent to find out the laws in your states...~V

Answer 6

if you live in the US most states allow you a couple of weeks to get insurance on your newly purchased vehicle. Besides, if you have insurance on your other vehicle that should have been enough to get you out of a ticket. I would definitely go to court and show them you had insurance on your other vehicle at the time of the stop.

Answer 7

Read your policy. Many will cover a "newly aquired vehicle" for a certain period of time if it is properly registered as you drive it. If so, you should be able to have the ticket cancelled.

Answer 8

Some policies have binders allowing you up to 30days of coverage, if you have a policy where you carry full coverage. However, you must read your policy to see if you have coverage, also, if you purchase a motorcycle, finding coverage may take time, as many do not provide for motorcycles.

Answer 9

Nope, the law is that you must have insurance on a vehicle, even one you just purchased. Sorry, chalk it up to a lesson learned.

Answer 10

in PA I believe it is 30 days to get insured - during that time your new car has the same coverage as the other car