Weird insurance thing happened

It was a year ago so I can't be sure, but I think I did, and the dealership was supposed to send them the info. The policy renewed right about that time and when they sent me the paperwork I guess I didn't look closely enough. There was a serious illness in our family and my mind was elsewhere.. I'm surprised the state didn't pick up on it though. They had a vehicle newly registered that wasn't insured and another newly registered vehicle insured twice over.

As far as the insurance on your old vehicle, there is an auto termination clause of most if not all personal auto policies that if you sell the vehicle that coverage terminates. You should be able to have the vehicle removed from your policy and have it backdated to when you sold it. You may be able to get a refund of the premium paid.

In regards to the new vehicle, it’s ultimately your responsibility to ensure it’s covered unless there is a documentation of you telling the insurance agent to have the vehicle added and they just never did.

ETA: I have no idea why anyone would trust a dealership to take care of something like this.

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Somebody dropped the ball between the dealership and the insurance agent, they didn't take the old vehicle off the policy and put the new one on and I didn't notice it until the policy came up for renewal this month.

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the policy holder(s) drop the ball ignoramus

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No way I’m trusting a dealer to manage my insurance for an auto.

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Correct.


No way i'm driving a vehicle off the lot till i get insurance on the vehicle i just bought. And i always call my agent to tell them this is what i'm buying i need insurance on this vehicle.

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No way i'm driving a vehicle off the lot till i get insurance on the vehicle i just bought. And i always call my agent to tell them this is what i'm buying i need insurance on this vehicle.

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If you have current insurance on any other vehicle, you can drive your newly acquired vehicle off the lot and have coverage at the same limits and deductibles as the best level of coverage on any vehicle on your existing policy. Its not free coverage as you’ll have to retroactively add the new car as of the purchase date. Check your policy for exact number of days you have to add it. Mainly meant for situations where someone is buying a car on a weekend or evening when their insurance agent’s office is closed.

Just call your agent the next business day to add it, but if something happened in the couple of days between purchasing the car and getting ahold of your agent, you’d have coverage at the level of the best covered vehicle that was currently on your policy.

ETA: but YOU need to call your agent and do that, not rely on a car salesman to do it for you. I can’t speak for other agencies, but I’m not changing anything on a policy at the request of a car dealership. The policy holder is the only one who can request a change to vehicles and/or coverage.

Paid cash

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the dealership and the insurance agent

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This was your first error.

All you have to do is:

1. take out your phone
2. type Statefarm.com
3. Add vehicle
4. type vin # etc etc etc
5. Confirmation.

if you finance the dealership usually requires proof of insurance before you drive off

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Somebody dropped the ball between the dealership and the insurance agent,

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It’s your job dude to communicate and make sure your shite is done correctly.