How long does it take for car insurance to start? Do all policies start as soon as you sign up?
Tuesday, May 5th, 2009 at
6:28 pm
amcconnell87 asked:
A friend of mine was in an acciedent but their insurance doesnt start til December. Is this possible? Do car insurance companies actually allow a driver to be uninsured for a month before starting their policy? :/
A friend of mine was in an acciedent but their insurance doesnt start til December. Is this possible? Do car insurance companies actually allow a driver to be uninsured for a month before starting their policy? :/
Tagged with: Car Insurance Companies • Insurance • Insurance Policies
Filed under: Car Insurance
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All the policies I know of do. You can do e-surance
I have only heard of that if they currently have insurance with another insurer. Ussually you tell the insurance company when you would like to have your policy start, but if you do not have insurance on your vehicle, it is not legal to drive it until your insurance has started. If your friend gets into a accident before the policy starts, then they will not get covered. Better be careful.
She needs to check her statement. That is weird to post date the insurance policy. If she has a good agent they will take care of it for her. I believe in most states it is illegal to drive without insurance. The only exception I know of is MS.
You can start your insurance at anytime. The insurance makes the assumption you have some other policy to cover you until theirs starts.
Do insurance companies “actually allow a driver to be uninsured”. Sure they do- they are not your parents- it is your job to tell an insurance company when you want your policy period to begin and end.
Unfortunately, it looks like your friend picked her policy to begin december 1st therefore, if she has no current insurance through a difference carrier- her ignorance in the matter has got her in a big mess.
I’m guessing that’s a renewal policy, possibly. It could be her auto ID card is for the coming term. Usually, the insurance company issues these about 30 days before a renewal.
She should check the policy for more informatoin.
I’ve never heard of post dating an insurance policy. They will only put an effective date in the future if there is an existing policy. Something isn’t adding up. I have a feeling that you don’t have the whole or accurate story. Maybe your friend left out some details to save face. Unless you have a current policy or you lead the company to believe you have a current policy they won’t post date it. Maybe your friend post dated the payment or couldn’t pay until Dec.
The only time this would happen is if your friend told them to start the policy in December. I always ask what date a person wants the policy to start. She should check with the agent to find out about the policy dates. Is it possible that it is a renewal and it shows future effective dates but there is another policy inforce.
In NJ if you have a good driving record there is a waiting period – if you have a bad driving record – you can get insurance in effect in one day. No companies do not allow drivers to be uninsured for a month, that means – you don’t drive the vehicle until the insurance kicks in. Your friend has a problem.
Most of them take 24 hours.