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OT insurance peeps, help me out.

Posted on 8/9/16 at 6:01 pm
Posted by Bootycall
Member since May 2009
1318 posts
Posted on 8/9/16 at 6:01 pm
If you buy a used vehicle from an individual, how does insurance coverage work? Do you have to purchase insurance beforehand?
Posted by CorkSoaker
Member since Oct 2008
9823 posts
Posted on 8/9/16 at 6:03 pm to
If you want to be insured you do.
Posted by Anonymous95
Member since Sep 2014
2101 posts
Posted on 8/9/16 at 6:03 pm to
If you don't already have an insurance policy, yes. If you already have a policy for other vehicles, you're generally automatically covered on new purchases for up to 30 days.
Posted by ruzil
Baton Rouge
Member since Feb 2012
18163 posts
Posted on 8/9/16 at 6:03 pm to
Do you currently have a car and insurance?

Just call your agent, tell him what car you are going to buy and its VIN and he will bond you coverage for that car.

That is how it has worked for me in the past.
Posted by poops_at_parties
Member since Jan 2016
1545 posts
Posted on 8/9/16 at 6:06 pm to
quote:

If you already have a policy for other vehicles, you're generally automatically covered on new purchases for up to 30 days.

14 days. You have 14 days for a newly acquired vehicle as long as you already had a policy.
Posted by Napoleon
Kenna
Member since Dec 2007
73238 posts
Posted on 8/9/16 at 6:15 pm to
you need to at least have liability on the vehicle BEFORE you transfer the title to your name.

Posted by East Coast Band
Member since Nov 2010
66950 posts
Posted on 8/9/16 at 6:56 pm to
Do you already have insurance on another vehicle? If so, you get a grace period of 30 days to obtain insurance on the new vehicle.
Posted by TigerFan365
Member since Jan 2016
46 posts
Posted on 8/9/16 at 9:47 pm to
The LA state law is 14 days, not 30
Posted by LSUgolf
Hogs ROLLED 34-30
Member since Feb 2004
4926 posts
Posted on 8/9/16 at 10:08 pm to
If you are replacing a car already insured its 15 days. If you are adding on a not replacing its 5 days. If you have no insurance there not any coverage
This post was edited on 8/9/16 at 10:10 pm
Posted by SG_Geaux
Beautiful St George, LA
Member since Aug 2004
80525 posts
Posted on 8/9/16 at 10:11 pm to
Damn there are a lot of different answers in this thread
Posted by SCLSUMuddogs
Baton Rouge
Member since Feb 2010
8146 posts
Posted on 8/9/16 at 10:13 pm to
Someone once suggested me to try go auto insurance
Posted by LSUgolf
Hogs ROLLED 34-30
Member since Feb 2004
4926 posts
Posted on 8/9/16 at 10:18 pm to
Idk if the others that have answered are working the industry but I do I am sure my answer is correct
Posted by Tigahs24Seven
Charlie Kirk's America
Member since Nov 2007
14591 posts
Posted on 8/9/16 at 10:41 pm to
Well here is a new question. If you are raising a child, who is not related to you, and they are getting their learners permit, do you have to insure them in this learner's permit year and if not what happens if they have a wreck. I am not a legal guardian....it is a long story. When they get an actual license and policy in a year can I add them to my policy? Parents are findable, but not involved.
Posted by ATL-TIGER-732
ATL
Member since Jun 2013
2291 posts
Posted on 8/10/16 at 12:42 am to
quote:

If you are raising a child, who is not related to you

Are you a guardian?
Posted by skinny domino
sebr
Member since Feb 2007
14501 posts
Posted on 8/10/16 at 2:22 am to
quote:

The LA state law is 14 days, not 30
Posted by jbgleason
Bailed out of BTR to God's Country
Member since Mar 2012
19853 posts
Posted on 8/10/16 at 3:27 am to
No grammar in insurance school I see.

quote:

Idk if the others that have answered are working the industry but I do I am sure my answer is correct


quote:

SURGEON GENERAL'S HAS NO WARNING FOR SMOK'IN YOUR A$$


This post was edited on 8/10/16 at 3:28 am
Posted by soccerfüt
Location: A Series of Tubes
Member since May 2013
72891 posts
Posted on 8/10/16 at 6:25 am to
quote:

If you are raising a child, who is not related to you
quote:

I am not a legal guardian...it is a long story
We have time to hear it.

Go.
Posted by bigwheel
Lake Charles
Member since Feb 2008
6491 posts
Posted on 8/10/16 at 6:51 am to
30 days
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