Sometimes it is and sometimes it isn't. The same is true of personal auto insurance. Many insurance policies do not include automatic coverage for newly acquired vehicles. This is a real reason you need to have an agent that you can call and make sure before driving off the dealers lot with a vehicle that may or may not have insurance on it.
Depends on the policy.
This will depend on your policy itself. Many companies do not give you automatic coverage for newly purchased vehicles, and if they do the coverage is for the same coverage on the vehicle you are replacing or at best the same coverage you have on other vehicles on the policy. Some companies will give you 15 days and the most is 30 days if any at all. You need to read your policy carefully concerning automatic coverage. To be safe you need to notify your company before you leave the lot with a new vehicle.
the newly acquired piece is replaced by the pawn
No. The only way you could possibly be covered under your own insurance is if you purchase the car and have a bill of sale in your name and your State has provisions for newly acquired vehicles. You would also have to be driving the vehicle with a copy of your registration and your license plate. Always check with your insurer first to make sure they will extend coverage
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Usually before you drive it off the dealers lot. Many policies give you automatic coverage for newly purchased vehicles for a certain number of days up to the maximum coverage on you other vehicles. You need to read your policy and check with your agent on this matter before driving the vehicle. I have seen many car dealers tell people they are automatically covered if they have insurance and under many policies they do not have coverage. IF you drive off the lot and have an at fault accident you could be responsible for all damages and still have to pay the bank or finance company fora vehicle that is now wrecked when it could have been prevented with a phone call to your agent.
Damages should be sought from the at fault party. Failure to add the owned vehicle to the auto insurance policy has left the driver apparantly uninsured in that vehicle. The claimant may need to rely on uninsured motorits coverage. The insurer may offer a grace period for newly acquired vehicles. both drivers should contact their insurance company as it appears one may have no coverage in the accident.
No, they were not. They explored the newly acquired Louisiana territory.