dthatcher7
Senior Member
- Joined
- Jun 11, 2016
- Threads
- 15
- Messages
- 202
- Reaction score
- 64
- Location
- California
- Vehicle(s)
- 2016 Civic EX w/Sensing
- Thread starter
- #1
I wanted to pass this along because it is a gotcha I recently ran into. In the state of California, your current insurance company must cover your new car for 10 days, to give you time to add it to the policy.
The gotcha with this is that the "coverage" afforded under this 10 day grace period is only whatever coverage you currently have. So if all you've got is a jalopy with liability only, and you drive off the lot in a new 2016 Civic, you are driving around with liability only.
Incidentally, if you are in the position of having no auto insurance at all, you will have no 10 day grace period, because there's no insurance to begin with.
Apparently a lot of California dealers are content to look at your current auto insurance ID cards without inquiring as to your coverage levels. So before you drive off the lot uninsured or under-insured, make sure you know what your existing auto insurance coverage is. Better yet, get on the horn with your insurance agent and add the car before you drive it at all!
The gotcha with this is that the "coverage" afforded under this 10 day grace period is only whatever coverage you currently have. So if all you've got is a jalopy with liability only, and you drive off the lot in a new 2016 Civic, you are driving around with liability only.
Incidentally, if you are in the position of having no auto insurance at all, you will have no 10 day grace period, because there's no insurance to begin with.
Apparently a lot of California dealers are content to look at your current auto insurance ID cards without inquiring as to your coverage levels. So before you drive off the lot uninsured or under-insured, make sure you know what your existing auto insurance coverage is. Better yet, get on the horn with your insurance agent and add the car before you drive it at all!
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