Automobile Insurance Question Carlsbad California CA

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Reader’s Question:

I live in Carlsbad, California and I’m wondering how long after a vehicle is purchased does one have to furnish auto insurance?

Blaire

Carlsbad, CA

Your insurance information must be reported to California DMV within 30 days of the issuance of a registration card for a newly acquired vehicle (original or transfer). Note that if you drive on the roadways during this 30 day period you would need to show proof of insurance in the vehicle if stopped by law enforcement.

Prior to acquiring a new, replacement, or additional vehicle, you need to contact your agent/broker or company in Carlsbad CA to know what coverage will have to be added or extended to your existing policy. If the new vehicle is being financed, also check with the lender for their insurance requirements.

Most insurance policies in Carlsbad California provide 30 days automatic coverage for a vehicle that replaces a vehicle that is already on your policy. Normally, the coverage is the same coverage you had on your previous vehicle. If you want additional coverage, there’s usually a certain time period that you need to notify your agent or your company.

If you’re buying a car that is not replacing a car but adding a car to your current car insurance policy or you’re buying your first car to place on a new insurance policy, then you need to make sure your insurance coverages are set up before taking possession of the vehicle. In this way, you will already have your coverages in place and you can provide proof if asked to be furnished.

Tags: auto insurance