The Law & You

How Is The Car I Just Bought Covered Under My Insurance?

The Law & You
August 23, 2018

The Law and You

How Is The Car I Just Bought Covered Under My Insurance?

A viewer had gotten into an accident with his brand new car before he had a chance to add it to his car insurance policy. When he called to make a claim, he was surprised to learn the car was covered. How can that be? Car accident lawyers Greg Fellerman and Ed Ciarimboli have the answer.

Dave Kuharchik: We’re talking about a car accident in this edition of “The Law & You.” Back with us in the virtual law center tonight, attorneys Greg Fellerman and Ed Ciarimboli. Gentlemen, thanks for being here.

Ed Ciarimboli: There are no car wrecks in here.

Dave: Smooth sailing. I mean it’s easy going today but not for this viewer in terms of an accident. Ben in Lake Carey says, “I just bought a new car last week and I was in an accident before I called the insurance company to add the car. I was surprised to learn it was covered.” So Ben wants to know how he had coverage when he never talked to an insurance company?

Ed: So, Ben, what happens is the second that you buy a new car, you have 30 days to essentially add that car. Basically what happens is your insurance company contemplates that you’re going to be buying a car, it might be 7 or 8 o’clock at night, you might not be able to get a hold of your insurance agent at that particular time. So as long as you have a valid insurance policy, it’s going to cover that new automobile as long as you add it within 30 days. If you’re outside that window, then you’re going to be out of luck because there’s no notice of that particular car. But you do have 30 days.

Greg Fellerman: And you know, it’s funny because I actually had this situation occur with me. I bought a new car for my daughter and I forgot to call it in. Called up, nothing happened, no accidents, but I remembered, “Hey, you have 30 days to do it.” So it’s kind of an actually interesting question that came in. But it has happened to the best of us. And this is a good piece of insurance legislation. They actually give you 30 days to get your cars covered. Because believe it or not, accidents happen.

Ed: I like that he said that it happens to the best to us.

Dave: Yes.

Ed: Because he’s referring to himself.

Dave: Yeah, well, it’s good to know because you wouldn’t think about doing that immediately.

Greg: No, you forget. Like I literally thought that the dealership would call and, you know, you just forget. You get busy.

Ed: Has anybody bought a car? It takes forever. I mean you’re there for five, six hours, filling out all kinds of forms. The last thing you want to do is make a call into the insurance company. You just want to get the car off the lot there and then and stop talking to the salesperson or the financing people. That’s why they give you that ability to call it in when you can.

Dave: Good. Could happen to the best of us.

Ed: Could happen to the best of us.

Dave: Results matter. Attorneys Greg Fellerman and Ed Ciarimboli. Guys have a good night.

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The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.

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