How long are you covered under dealership insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 4, 2013

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Insurance Question from Oceanside, CA

Asked on 04/04/2013

How long are you covered under dealership insurance? Bought a new motorcycle and financed at the dealership. Three days later had an accident and had not added to my insurance policy yet. Would the dealership cover the accident or my insurance policy? I'm getting the run around from dealership and my insurance. Have full coverage on a vehicle and liability on an older motorcycle. My insurance co is saying it would only be liability but if since the cycle is financed, wouldn't I need full coverage?

Answer given on April 08, 2013

When you buy a vehicle you should be sure it is insured before you take it off of the lot. Most insurance companies have 24/7 numbers you can call to get coverage placed, even if it is a holiday or weekend. Rarely do dealers provide coverage on the vehicle unless you purchased the insurance through them. If you own a similar vehicle (car or bike) then the insurance from the existing vehicle does provide coverage for a period of 5-20 days, depending upon the insurance company. However, the insurance matches the existing policy. Since you did not have physical damage on the existing bike, then the new bike would not have that coverage until you call your agent or insurance company. You obviously needed full coverage since the bike was financed, but since you didn’t tell your insurance company, there is no coverage on the new bike for physical damage. The dealer probably should have asked you about insurance before letting you drive away, but it is not their responsibility to provide the coverage.

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