Is there a law in place that your present car insurance covers you when you buy another vehicle?

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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: May 2, 2018

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Insurance Question from Brighton, CO

Asked on 05/02/2018

Is there a law in place that your present car insurance covers you when you buy another vehicle? federal law that present auto ins covers your new purchase for 30 days?

Answer given on May 03, 2018

In most states,  and with most insurance companies, there is automatic coverage for a new car purchased.  The time length varies by insurance company. It can be as little as 10 days and as much as thirty days. You should review your insurance policy to see what it covers.

An additional car is covered for the same coverage as the broadest coverage on other cars.  If you have one car with liability only and one with full coverage, the new car will be covered for full coverage for the time frame allowed. If you have only one other car, then the new car is covered the same way as the old car. So if you need full coverage on the new car and only have liability on the old car, you need to call your insurance agent or company as soon as possible to get the full coverage needed on the new car.


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