PAYING PREMIUMS ON A CAR I DON'T HAVE,THEN ON THE CAR I HAD WHICH I THOUGHT I PAYING PREMIUMS ON WAS INVLOVED IN AN ACCIDENT, AM I COVERED ON THE CAR I WAS IN AN ACCIDENT WITH?

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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 25, 2017

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Insurance Question from Arlington Heights, IL

Asked on 05/25/2017

PAYING PREMIUMS ON A CAR I DON'T HAVE,THEN ON THE CAR I HAD WHICH I THOUGHT I PAYING PREMIUMS ON WAS INVLOVED IN AN ACCIDENT, AM I COVERED ON THE CAR I WAS IN AN ACCIDENT WITH? PAYING PREMIUMS ON THE WRONG CAR AM I COVERED IF I GOT INTO AN ACCIDENT?

Answer given on May 26, 2017

If you recently changed cars on your auto insurance but didn’t change the insurance to the new car, you should be ok if the insurance coverage is the same.  In other words if you had collision coverage on the previous car, it would carry over to the new car.  However, most insurance companies only give you 30 days to tell them of the change in cars.  If it has been over 30 days there could be an issue for insurance on the new car.  But once again, if the insurance coverage is the same, then the insurance company may be willing to cover the new car if you pay any premium difference.

If it has been substantially longer than 30 days, and the policy has renewed with the old car, then you may not have coverage. It is your responsibility to review the insurance policy every renewal to make sure the insurance is up to date. If you did not do so, and did not review the insurance ID card to be sure it was the right car, then the insurance company can deny coverage for your accident.


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