When a new car is purchased in Georgia does it need to be insured right away if the purchaser has an existing policy that covers their other vehicles or is there a grace period?
I can't say specifically for Georgia, but almost any insurance policy will cover a different/additional car for a "reasonable" amount of time. Call your agent and check, preferrably BEFORE you go car shopping.
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there is no right to recision in regard to the sale of a new or used motor vehicle in the state of Georgia
A car must be insured by a company authorized to write policies in the state where the owner or primary operator resides.
If you have an insured car and buy a second vehicle how long of a grace period is there before you need to add the second vehicle to your existing policy?
Check your policy. it will state it there. It differs from Co to Co. It depends on the policy you have and the dealer you get it from. If your current insurance covers everything you drive, its covered. But if not, than the dealer may offer a 48 hour binder to cover you till you can get to your ins…urance company. (MORE)
In most cases, 30 days, the vehicle will only be covered to the limits of liability that you currently carry on your own policy for the 1st vehicle. For example, if you dont have comprehensive or collision on your current auto, then a new purchase will not have it covered either. Hope that helps. Gr…eg Nice (MORE)
If your primary vehicle is a corporate car supplied by your work do you need personal auto insurance ie does the company policy cover you only when driving that car or on all vehicles?
Answer . \nI would assume that the company policy only covers the company car. You still need at least liability coverage for any other car that you own and want to drive. If by chance you don't own another vehicle I can still think of reasons that you might want a non-owners policy. This woul…d protect you in the event that you drive someone else's vehicle that is uninsured and you cause an accident. (MORE)
If your auto insurance allows you to drive other people's vehicles do the other cars still need their own insurance for you to be covered?
Although your own auto insurance may very well follow you to a loaner vehicle. It only follows you as "Secondary" coverage. It is still the vehicle owners responsibility to provide "Primary" coverage for his or her vehicle when that vehicle is being operated on public roads regardless of who is driv…ing it. Additionally, If an officer runs the license plate of the loaner vehicle you are driving and finds that it is uninsured. The driver will be ticketed. It is not the officers responsibility to determine if your coverage from your own vehicle transfers to the one you are driving. You could always argue that in court at a later time if you wish in your defense. If an at fault accident were to occur, Both the driver and the vehicle owner can be held financially liable for any damages or injuries that may occur, so the owner must still have the vehicle insured to cover his or her own liabilities even though they may not have been driving the vehicle at the time of the accident. Remember that it is the vehicle owners responsibility to provide "primary" coverage for the vehicle. Answer In all likelihood, yes, the car does need to be insured. This is because the vehicle in question would have to be properly registered in order to do this it must be properly insured. That being said, the owner of the vehicle can buy insurance just to cover the car while it's parked. Double check with your insurance company. It is likely to cover the car while you, the insured, are driving it. (MORE)
Answer . Policies differ, so you should check with your agent or broker. If you have owned a vehicle and already have an auto insurance policy, that will generally cover your new automobile for a period of up to 30 days after you buy it. Once that 30-day period is up, you'll have to talk with yo…ur agent or company representative to insure that new vehicle. (MORE)
If you have a bad driving record can you get lower insurance rates by purchasing a car and getting a new policy in the name of your spouse?
Answer . A few things:\n. \nCar must be in spouses name soley\nYou, with bad record, are not technically permitted to be a driver if you live in the household WITHOUT being added to the policy, otherwise in the event of an accident, this is FRAUD! \n. \nYou must disclose all drivers in househ…old - trust me on this one! (MORE)
If you are a first time car buyer but are covered under your parents policy for their car will you need to purchase new insurance before you pick up the car?
Answer . every car has to be insured separately, so the new car has to have its own insurance on it.
Yes . In most states it is legally required that you have insurance on the vehicle before driving it off the lot.
There is no grace period on buying new or used cars in Georgia or any other state. The only exception to this rule is if the sale was unsolicited. For example, a car salesman drives up to your home and knocks on your door. You answer, and he shows you a brand new XYZ. You decide this is exactly what… I've been wanting and you sit down at the table and sign all the necessary paperwork. This would be an unsolicited sale, in which case you would then have a 72 hour return policy. If you went to the dealership and chose the car, you do not have a return policy. The sale is considered final as soon as you sign the paperwork and leave the lot with the car. Reason being is that new car instantly becomes a used car when it is titled. It is therefore worth far less than a new car. (MORE)
If you purchased a new car with an extended warranty is there a grace period in which you can decline the warranty?
Answer . Possibly, depending on your state laws. Ask the dealer immediately.. MORE . If it is an actual "warranty" - meaning it was included in the purchase price (not sold for an additional amount), then no, it is not declinable.. If it is a "service contract" - meaning that you paid an add…itional amount for coverage, then yes, in most states you have 30 days or more to contact the service provider and cancel coverage. (MORE)
Does the driver of a vehicle in the state of New Jersey have to have their own car insurance or can they be covered by a company policy if driving the company's vehicle?
New Jersey and Auto Insurance . \nCheck with your company to see how they cover you. Usually a company only covers you if your are driving one of their vehicles while you are working. When your are on your own personal time, let's say that you drive the car all the time and it is kept at your h…ome, you will probably need your own insurance as well. Any other drivers that may drive the company car, even if that car is your only means of transportation, are not covered by company insurance. It is always best to check with your company, they may assume that you are insured on your own or may only carry a limited policy on their company vehicles considering how expensive auto insurance is in NJ. Whew!. (MORE)
If your 17-year-old son who is not on your insurance policy totaled your car and no other vehicles were involved will your insurance cover the damage?
Answer . Insurance laws differ state to state. The most logical thing to do is to call your agent! Does your son have his own policy? Is he listed on another policy? If the answer to those are no, in MA your answer is no! 4lifeguild
How do you you secure auto insurance so you can purchase a new car you have only been previously covered on your parent's policy you are 22 years old?
Answer . Get quotes on what the new car will cost first? Once the financing is complete go to that insurance company and purchase the policy
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the owner of that car and is not on that car's insurance policy?
Answer . Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle.. Concerning the party that is not the owner nor on the car owners… policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he was to state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car.. Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid. (MORE)
Most states it's five days. some states allow 30 days. some insurance companies will allow you to roll insurance from one vehicle to another temporarily. but you will still have to get one or the other insured.
Son not listed on insurance policy in Ma totaled my car No other vehicles involved no injury Will my insurance company cover me?
If you gave him permission to use the car (called "Permissive Use") you should be covered. Your insurance rates will likely go up.
No, you need to get the insurance arranged before you pick up the new car.
The state of Nevada does not have a grace period or return policyfor vehicle sales. You would have to check with the dealership tosee if they have one. It is important to not sign anything untilyou read the contract and completely understand it.Ã
No, there is no grace period on purchasing a new car in Tennessee.Once you take possession of the car and drive it off the lot, thecar is yours.
If you are insured with another vehicle, you probably have a clause covering newly purchased vehicles.\n. \nOtherwise - no.
Is there a 3 day period on a new car purchase where if you are unhappy with the vehicle you can return it?
That can vary from state to state and also depends on Companies policy so you had better check carefully and quickly before more time passes before making your claim.
When purchasing a new car at a dealership what should a person do regarding immediate insurance on that vehicle and on their non trade-in car that they drove there?
Typically your current car insurance will cover a new (at least new to you) car for several days. Contact your insurance agent to find out what they cover.
Yes. Though it may vary by state, you generally have 14 days double coverage to notify the company of your new vehicle and apply premium to bind coverage.
Do i need to get insurance the minute i purchase a car or do i have a certain amount of time after purchasing a car to get it?
In most states, yes. Some insurance companies may offer limited coverage for a limited amount of time when you buy a car, but in most cases you are required to insure the car the instant you drive off the lot. Yes it is true that if you had the extremely unfortunate circumstance of wrecking your new… car (your fault or not) on the way to insuring it, you may be responsible for your damages if you're at fault, otherwise you better pray whoever hit you has insurance. (MORE)
GAP insurance is normally offered to you when you buy a car. If it was purchased at all, that is up to you. If you do not have it then you can find someone else that offers it. A few insurance carriers offer this as part of their plan. Progressive and Unitrin offer that with their auto insurance pol…icies. (MORE)
Insured is purchasing vacant land to be used for driving all terrain vehicles - is it covered under home policy - also what if he allows friends to use land?
No, Your homeowners policy will not cover all terrain activities on your vacant land. . If you let others use it then you personally accept liability for all damages an injuries due to your stated permissive use.
If you're just looking for a quote then there really aren't any documents you'll need. The quote will just ask some questions, such as what kind of car you drive, how much you expect the drive the vehicle, etc, which you should be able to answer easily. As far as actually purchasing a policy the co…mpany you purchase the policy through will let you know what kind of documents they require. Usually the only time you'll need to submit any kind of special documentation would be if you're disputing some kind of activity on your driving record. (MORE)
It depends on what you mean. If you mean a "waiting period," then no, there is no waiting period in most U.S. states. If you mean is there a certain length of time where you can bring a gun back to a gunshop and get your money refunded, it depends on the individual store's policy. Most gunshops will… not take a return on a gun, only a trade in. (MORE)
Assuming you stay with the same insurance company, the existing policy will remain in effect. However, you must notify the company of the change in vehicle make, model, year. If there is a difference in premium, your policy amount may be prorated for the month in which you purchased the car, then th…e new policy amount is required. (MORE)
Typically 30 days. You will find that information in your life policy. . The grace period offered to us differs on the policy type and the premium payment frequency. Let us take 3 major categories of policies and analyze the available grace time. 1. ULIPs that are 3 years old or less For ULI…Ps that have been in effect for three or less years and that have a regular premium paying system, the grace period offered by the companies is usually one month. Once this period is over the policy lapses. But, during the grace period the cover continues. So if a claim is made during the grace period, the nominee would get the benefits. 2. ULIPS that are more than 3 years old ULIPs that have been in effect for more than 3 years, assume a paid up value since an investment corpus is already accumulated from the premiums paid in the previous years. This means that even if further premiums are not paid, the policy continues so long as the fund value covers the expenses that the insurance company incurs in managing your fund. 3. Traditional Insurance Plans In case of traditional policies like term plans, money back plans or endowment plans etc the insurers give a grace period of about a month or upto a maximum of 3 months. The cover continues during this period. If the premium is not paid by the end of this period, the policy lapses and the life cover ceases. (MORE)
This varies on personal choice, however a selection of incentives are available including rebates, cash back offers, factory-to-dealer incentives, lease rates and low-interest financing
Average car insurance rates in New York are difficult to give a ballpark number for, not because its expensive, its just the prices vary dramatically depending on where you live and what agencies available to you. for example the aver price of insurance in Queens ranges from 400 to 1500$ on average …and the average cost of insurance in Manhattan in 1100 to 1900 $. The best advice I could offer for getting the best rate is to shop around alot for the best quote. (MORE)
Non Owners Insurance Yes, You can, It's called a Non Owners Insurance policy, also known as an Operators Policy , asopposed to a traditional Owners Policy. In the United States, a Non Owners Auto Insurance Policy is legalin all 50 states. You may have to shop around though as the largerinsurers… that you may be familiar with tend not to offer non ownerscoverage. Some Insurance companies prefer to do business withvehicle owners only or they just don't think tere is enough moneyto be made from Non Owners. There are many people around the United States who do not own avehicle but do hold a drivers license and occasionally drive aborrowed or loaned vehicle. A non Owners Insurance Policy can provide that extra level ofsecurity as well as ensure that you are in compliance with yourstate law by having the appropriate coverage when operating a motorvehicle on public roads. Other Input Yes, but why? You would not be able to tag the car, register it,inspect it, and you couldn't even drive it home. Because of the limitations involved, some dealers may not sell toyou without proof of insurance. Some companies in the UK at least, will insure a driver as opposedto a vehicle. Drivers that deliver cars for instance, have thistype of insurance. In this case you are also issued with a specialset of temporary number plates. Actually "car insurance" has little to do with the car except forthe liability to a lien holder if financed. The insurance is basedon the driver's record and driving history. Some states do allow aperson to purchase a liability policy when operating someone else'svehicle. Truck Driver's have to have commercial insurance forcertain types of vehicles and heavy equipment. You may want tocheck with you local DMV to check the rules and regulations or evencontact an insurance agent that carries auto insurance. In regards to the first answer , the actually physical owner of avehicle does not have to be the insured driver. The fist car Iowned (1964 1/2 Mustang==Thanks Mom) was owned by my Mom. She didnot drive. I insured the car and registered the car. All I had toprove was that the car was insured for liability and collision. (MORE)
There is no grace period. Legally you can not drive a car on public roads without proof of financial responsibility. If you bought a cash car your supposed to leave it parked until you get your insurance and your registration. If you have purchased and financed a new car, most finance companies r…equire proof of full coverage before you can drive it off the lot. (MORE)
Nope! Sometimes dealers will have a 3 Day Policy, but it is only if you exchange it and buy another one. Once you buy it, you own it!
"No it is not a requirement in order for you to get purchase an automobile. Some people recommend it to others due to the fact of family/personal safety. Incase you get into a car crash and become injured, health insurance may cover some of the cost."
Yes, In the United States you can purchase a Vehicle without having insurance on it beforehand. You just can't drive it off the lot or anywhere else.
Depends on your state. Most states are 14 days and this is assuming your car insurance is up-to-date. Also, your coverage only matches the insurance on your other vehicle. If you are liability only, your new car will only be liability only.
No, you can not. All insurance policies are effective form the date of purchase, not retroactively.
Read your policy. Some companies and policies offer a grace period and some don't. Call your agent not the car dealer to find out.
You need to consult with your insurance agent or carefully read your policy. Some policies offer automatic coverage and some don't. Also, sometimes there are circumstances that trigger this coverage such as trading in another vehicle or having full coverage on another vehicle on your policy. Be care…full as car dealers or fiends often tell people they are covered when they have no idea. (MORE)
Car insurance can be purchased in New Jersey from the following insurance agencies: State Farm, Geico, Liberty Mutual, MetLife, Progressive, or 21st Century Auto.
New drivers can purchase car insurance from a variety of different companies that advertise and cater to customers via different methods. Advertising is done via television, radio, print media, and the internet. The internet would be the best place for new drivers to research and compare prices and …product offerings from the various car insurance companies. (MORE)
The cheapest discount car insurance company one can purchase an insurance policy from varies from season to season. It can also vary from location to location. In the Pittsburgh area, Greener Pittsburgh is very inexpensive.
Insurance for a vehicle can be purchased from major providers like Progressive, Geico and State Farm by visiting their websites and submitting for a quote. There are also a number of local providers which advertise in local newspapers or can be found in a copy of your local Yellow Pages.
What if vehicle owner allows insurance policy to cancel and purchases new policy without lien holder listed?
When you purchase a vehicle and fiancÃ© it you sign a contract stating that you will carry certain insurance coverages and provide the finance company with the proper notification of such coverage. If you let your policy cancel you have violated the contract. If you do not list them as lienholder …on your insurance policy you have also violated the contract. If you do not fix this situation when you finance company send you letters about this they have the right to repossess your vehicle and screw your credit up for life. You have obligations and the finance company has obligations under these contracts. If you have period of time when you cannot prove you have insurance then they will put forced place coverage on your vehicle to protect themselves and will charge the premiums to your account. (MORE)
Do you need to get an umbrella policy from the same insurance company that covers your car and home insurance?
Yes. Most companies that offer umbrella or excess liability policies will not offer such a policy unless they also insure your home and or vehicles. The reason for this is that under the policy you are required to carry policies on your home and vehicles but are required to carry certain limits of l…iability on these policies. It s much easier for the company to monitor these policies and required limits if they handle these policies. There are some companies that will write these separately but the prices are much higher under these circumstances. (MORE)
Grace period is a provision given to policyholder to pay premium innext 30 days.When he fails to pay it before the due date, this timeperiod of 30 days is called grace period.