in Colorado How long does my current car insurance cover my new car after I drive it off the lot?

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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: Oct 2, 2014

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Insurance Question from Centennial, CO

Asked on 10/02/2014

in Colorado How long does my current car insurance cover my new car after I drive it off the lot? How long does my current car insurance cover my new car after I drive it off the lot? Does the state of Colorado mandate that car insurance must cover the new car after for a certain number of days or weeks?

Answer given on October 06, 2014

Coverage for new cars varies by insurance company. Most will cover the new car for 10-15 days from the date of purchase. If you traded in a car, the coverage on that car determines what coverage you have on the new car. If you did not have comprehensive and or collision coverage, than the new car will not automatically have it.If the new car is an additional car, the broadest coverage on the other cars will determine the coverage on the new car.When you call your insurance agent or company you will then tell them what coverages you want on the new car. You can ask for quotes for various deductibles to determine what you want to buy.If you do not call your insurance agent or company within the time frame determined under your policy then there is no insurance on the new car. It is very important to call your insurance company promptly when you get a new car. Since most companies have 24/7 phone access you should not have a problem getting the new insurance started.

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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