What are my options?

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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: Apr 29, 2014

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Insurance Question from Bigmount, PA

Asked on 04/29/2014

What are my options? Hey, I just bought a used car today. I'm 18 and this was my first car purchase so we had a lot of hoops to jump through. After hours of going back and forth with the bank, we finally got a loan agreement worked out. By that time, it was almost 5 so the bank said just to come in tomorrow, sign the papers, and take the check to the dealer. Same kind of deal with my insurace, I'm getting added to my fathers pollicy but we had to put it on hold until tomorrow. So basically the car dealership gave me the car and told me to just go to the bank tomorrow, and then bring them the check and proof of insurance. Well about an hour ago, I slid into a guardrail driving home causing a decent amount of damage to the front end. Definitely no damage to the motors and it's highly unlikely that the frame bent at all. I got pulled over for my tail lights being out as well, so that too (great night, right?). What are my options? I live in Pennsylvania. Again, I've never been insured, I was on dealer tags, and I never even signed a loan document from the bank. However, I did sign a buyer's agreement. What are my options?

Answer given on April 29, 2014

When you purchase a car it is always best to get the insurance in place before you leave the dealership. Most insurance companies are available 24/7 so it is possible to do.In your case, you should not have a problem. Since you are adding the car to your father’s insurance, and he has an existing policy, there is anywhere from 5-15 days of automatic coverage on the car to give time to add it to the policy. Presuming your dad has collision coverage on one of his cars, then your car will be covered, less the deductible that your dad has.You may have to put your dad on the title with you, since the policy is in his name. Talk to the insurance company to see how they will do it. If you need to add your dad, do it, so you will be covered.The taillight issue should be discussed with the dealer. they should not sell a car with tail lights out.

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