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| *Loan,banking and credit>>>auto insurance |
Ok,With auto insurance,lets say you have full coverage ins. and your car is in a wreck ,noone else is involve |
, and your car is totalled. OK so yur out of a car at the moment . OK the car was declared totalled on 6-01-07 . Is there a grace period that u have since yur out of a vehicle to add another vehicle to yur policy even if you were involved in a collision 3 weeks later??? do ya git what im sayin First of all, there's no such thing as "full coverage". Second of all, it's going to vary by state, and by the policy wording. On the STANDARD auto policy in MOST states, if you get a SUBSTITUTE VEHICLE, which means, you get rid of the old car, and replace it with a new car, you have 30 days to inform the insurance company of the change in vehicle. Putting in a claim for a total loss does NOT cancel your policy, for that very reason - MOST people will replace the totalled car with another car, and in some states, you just transfer the tags over. HOWEVER, another vehicle that you already own and have registered, is NOT a temporary substitute vehicle - it's an UNINSURED CAR. So, if you specifically didn't insure that car before, it's not COVERED. It's not a NEW VEHICLE. Additionally, in the VAST majority of states, a MOTORCYCLE can't be listed on an AUTO policy - and the other way around. So your CAR insurance won't cover the bike . . .and the BIKE insurance won't cover the car. Your policy probably says, that in order to be listed, the vehicle must have four wheels and be registered for road use. So no, there are no loopholes, you're SOL on this one. Sorry. Source(s): agent, 21+ years Yur not making yurself clear. i think what you are saying is that after the 6/1/07 accident that you thought the policy was still in effect and when you bought another vehicle 3 weeks later you found out that you didn't have a policy...correct, once that first claim was paid that policy ended unless you made arrangements with your agent to add another car hi.. to get answer for your question and to get more relavent information visit the web site.. http://eijar.notlong.com http://iemoo.notlong.com I read thru your question a couple of times before it made any sense. The answer is NO you would not have coverage on it. Two reasons, the first being that it was an auto policy and you were in the 2nd accident with a motorcycle. 2nd being that a NEWLY ACQUIRED VEHICLE is automatically covered on an auto policy for 14 or 30 days depending on the company. You would have the same coverages as you had on your other vehicle. Definition of a vehicle is something with 4 tires. A motorcycle would not be covered. blb is right, your motorcycle doesn't count. HOWEVER, some companies allow you something like 30 days (so in your case until 7-1-07) to buy a new car if your crv was the only car u had on that policy. this would allow the liability on your policy to continue in the meantime. so, if you carried uninsured motorist coverage, and u were in a hit-and-run accident, your injuries MAY be covered. u need to contact your insurer immediately to find out the terms of your policy. if you haven't already, it's obviously a good idea to consult an attorney as well. |
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