if you buy a newly aquired vehecle and get into an accident will your full covrege insuarace cover it and how long do you have to file a claim

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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: Mar 26, 2012

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Insurance Question from Kendall, FL

Asked on 03/26/2012

if you buy a newly aquired vehecle and get into an accident will your full covrege insuarace cover it and how long do you have to file a claim how long do you have to file a claim so you will be covered

Answer given on March 27, 2012

Each insurance company has its own rules as to newly acquired cars. Most allow 10-20 days to report the purchase of a new or additional car. You should ask your insurance agent how much time you have, or review the insurance policy.Replacement and additional cars are automatically covered for the same coverages as the existing car. If you have multiple cars, the car with the broadest coverage would apply to a newly acquired car. If none of the cars you own have comprehensive and collision then the new car will not be covered for that until you call the insurance company and report the new car and ask for those coverages.If you are involved in an accident with the new car, it would be covered if it is within the time frame you have for the automatic coverage. If not, the insurance company can deny coverage.You should always contact your insurance agent or company as soon as possible if you obtain a new car to avoid any question of coverage in the event of an accident or loss.


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