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Auto Insurance Claims/Lienholder buys retroactive coverage


Anne wrote at 2013-05-27 07:29:47
I am in the same boat- my existing insurance policy allowed 30 days to add a new vehicle- oops!  It lapsed by 6 hours because I totally spaced out on it-  insurance company had to review vehicle, pictures etc, even though from a dealership.  That was four months ago and the car has been insured ever since then.  The lien-holder just contacted me and said they are going to retroactively charge me for insurance for the 32 days between purchase and adding the vehicle. Why do I need to buy insurance that is for 4 months ago knowing that there were no claims or accidents???  Seems like a misuse of a clause in a contract that is MEANT to keep insurance coverage on a vehicle for protection, not make an extra buck when that period no longer applies!  Can anyone help with how to deal with this? Seems to me that UI was only NOT covered for two days since I was covered under my existing policy for the first thirty days.

Auto Insurance Claims

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Richard Hixenbaugh


Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.


I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Society of Certified Auto Appraisers

Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

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