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Auto Insurance Claims/automatic auto coverage

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Expert: Bennie719 - 7/15/2008


Question
Hello,
I was rear ended by a driver who had purchased his car the day before the accident, July 3 and accident was on July 4th.  He was cited by FHP with careless driving.  He owned 4 other cars that had coverage with Infinity Indemnity Ins. Co.  They denied the claim saying that he had not added this vehicle.  Is there a requirement for them to provide automatic coverage if they write policies in Florida?   
Thank you,
ED

Answer
Hi Ed,
Insurance polices vary in their finer points from state to state.  I would have to read the other party's policy to see if there was a grace period to add a newly acquired vehicle.
Your own insurance company should be able to determine the rules that were in effect for Infinity Indemnity on 7-04-08.

Good Luck,
Bennie

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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