Car insurance grace period.

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 2, 2019

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Insurance Question from Port Orford, OR

Asked on 08/02/2019

Car insurance grace period. Is there a grace period after buying a used car from a private buyer before you have to get auto insurance coverage? If not, how do you get it home?

Answer given on August 04, 2019

Most auto insurance companies give a grace period of between 10-30 days to report the new car.  If it is a replacement car, the new car will include the same insurance coverage that you had on the old one.  For example  if you only had liability on the old car, that is all you will have on the new car til it is reported and added to your insurance policy.

If it is an additional car, you get the best coverage of any car you insure.  If one is liability only, and another is full coverage, you have full coverage on the new car.  Again, you do need to report it as soon as you can to be sure there is no question of insurance.  Your automobile insurance policy should indicate how long you have to report the new car.

If this is your first car, you need to call an insurance company before you buy the car and work out a deal for a new insurance policy.  they will usually allow a day or two for the new policy, or give you a 24/7 phone number to get the insurance in place immediately.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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