Insurance troubles
Thread Starter
Burning Brakes
Joined: Jul 2019
Posts: 791
Likes: 679
From: New York Sitaye
Insurance troubles
I ordered my care a year ago. I waited while a strike delayed delivery. I waited for the plague to end for delivery. I am set to pick my car up tomorrow at Kerbeck, but wait!
Insurance carriers aren't writing policies. Due to the "hurricane" there is a moratorium on new policies, restricting binding until a "day or two" after the storm.
Am I cursed? Is the car cursed?
Is anyone else dealing with this nonsense?
Insurance carriers aren't writing policies. Due to the "hurricane" there is a moratorium on new policies, restricting binding until a "day or two" after the storm.
Am I cursed? Is the car cursed?
Is anyone else dealing with this nonsense?
Moderator
Joined: Feb 2006
Posts: 38,808
Likes: 17,724
From: DFW Area TX
I don't remember what the NCM required, but for every new car I've purchased locally all I had to show was my current Insurance Certificate - which did NOT have the new car listed on it.
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Safety Car
Joined: Oct 2015
Posts: 4,128
Likes: 616
From: St Louis Area IL
We bought a new vehicle last November, and a used one two weeks ago, and both wanted to either see the the insurance card, or wanted to call our USAA company to verify we had a policy written on that vehicle. We once traded a vehicle four years ago, and they accepted that the new vehicle was covered by the insurance on the trade.
Melting Slicks
Joined: Jun 2013
Posts: 2,598
Likes: 1,593
Insurance is regulated by State, so maybe NY, or more specifically NYC has unique rules....I don't know....
But this Sounds like BS... if you currently have a policy on a car, you should be able to just add it to your policy, and as pointed out, most states have grace periods to cover these things, but I'd call, and/or email your agent and give them a head's up... (and BTW, should have done this when you were called by the dealer, but I don't want to sound like Mom)...
Now if you don't currently have car insurance, then yeah, you're sol until you get a policy written.
But this Sounds like BS... if you currently have a policy on a car, you should be able to just add it to your policy, and as pointed out, most states have grace periods to cover these things, but I'd call, and/or email your agent and give them a head's up... (and BTW, should have done this when you were called by the dealer, but I don't want to sound like Mom)...
Now if you don't currently have car insurance, then yeah, you're sol until you get a policy written.
Instructor
Joined: Dec 2019
Posts: 175
Likes: 78
Agreed. You should be able to show them the insurance ID card from your current vehicle and be set.
Just an FYI - while most insurance companies have the automatic coverage extend to new cars for 30 days, there is a caveat - if you get into an accident before you report the car, you must state that your intent was to "replace" a vehicle in your existing policy in order for comp/collision to extend automatically. If you say that you were just adding a car, then it's liability only.
(One of my buddies is an insurance agent and this scenario happened to a customer of his).
Just an FYI - while most insurance companies have the automatic coverage extend to new cars for 30 days, there is a caveat - if you get into an accident before you report the car, you must state that your intent was to "replace" a vehicle in your existing policy in order for comp/collision to extend automatically. If you say that you were just adding a car, then it's liability only.
(One of my buddies is an insurance agent and this scenario happened to a customer of his).
Thread Starter
Burning Brakes
Joined: Jul 2019
Posts: 791
Likes: 679
From: New York Sitaye
This is NCM.
They are all great over there, and sympathetic to my plight. I'm waiting until tomorrow morning for the call back with an update. They expect it to be lifted by 10am... The time I was set to leave for AC.
FWIW, the other carriers I currently insure with told me the same.
Florida had a similar exclusion yesterday. It was lifted by 10am today.
Btw, NCM quote was apples to apples 40% cheaper than my others.
They are all great over there, and sympathetic to my plight. I'm waiting until tomorrow morning for the call back with an update. They expect it to be lifted by 10am... The time I was set to leave for AC.
FWIW, the other carriers I currently insure with told me the same.
Florida had a similar exclusion yesterday. It was lifted by 10am today.
Btw, NCM quote was apples to apples 40% cheaper than my others.
Le Mans Master
Joined: Apr 2020
Posts: 6,371
Likes: 3,287
Simple!!!
By law, I believe your existing company will cover ANY NEW VEHICLE for 7 days (don't quote me) EVEN WITHOUT NOTIFYING THEM, but mine USAA does it for 30. Just present your ID Card for your existing daily driver if asked. The important information is the policy # (while driving), not the VIN. My dealership didn't even need the Insurance card, just the Name of the company.
By law, I believe your existing company will cover ANY NEW VEHICLE for 7 days (don't quote me) EVEN WITHOUT NOTIFYING THEM, but mine USAA does it for 30. Just present your ID Card for your existing daily driver if asked. The important information is the policy # (while driving), not the VIN. My dealership didn't even need the Insurance card, just the Name of the company.
Last edited by C8J; Aug 4, 2020 at 06:29 PM.
Team Owner
Joined: Oct 2004
Posts: 25,583
Likes: 16,939
However, in my most recent purchases, I've also had dealers insist that I call my insurance company while at the dealership. For the Porsche I bought from out-of-state recently, I had to send them an insurance card with the Porsche listed before they shipped it.
Last edited by Foosh; Aug 4, 2020 at 05:48 PM.
Team Owner
Joined: Sep 2010
Posts: 32,040
Likes: 4,609
OP: your current automobile insurance coverage should cover your new purchase - regardless. Mine would for a new purchase even without notifying them for a period of a few weeks.
Thread Starter
Burning Brakes
Joined: Jul 2019
Posts: 791
Likes: 679
From: New York Sitaye
NY registration requires proof of insurance. My other vehicle is insured through National General.
Sunny skies here right now. I'm praying that NCM underwriting gets this cleared up early tomorrow morning. I don't think I'd feel comfortable driving home without proper insurance. Even if my current carrier will cover me temporarily, the Stagnant Island Expressway, and the Belt ParkingLot are like the gauntlet.
Sunny skies here right now. I'm praying that NCM underwriting gets this cleared up early tomorrow morning. I don't think I'd feel comfortable driving home without proper insurance. Even if my current carrier will cover me temporarily, the Stagnant Island Expressway, and the Belt ParkingLot are like the gauntlet.
Team Owner
Joined: Jun 2005
Posts: 46,295
Likes: 2,596
From: Northern, VA
St. Jude Donor '15
"In honor of jpee"
Insurance is regulated by State, so maybe NY, or more specifically NYC has unique rules....I don't know....
But this Sounds like BS... if you currently have a policy on a car, you should be able to just add it to your policy, and as pointed out, most states have grace periods to cover these things, but I'd call, and/or email your agent and give them a head's up... (and BTW, should have done this when you were called by the dealer, but I don't want to sound like Mom)...
Now if you don't currently have car insurance, then yeah, you're sol until you get a policy written.
But this Sounds like BS... if you currently have a policy on a car, you should be able to just add it to your policy, and as pointed out, most states have grace periods to cover these things, but I'd call, and/or email your agent and give them a head's up... (and BTW, should have done this when you were called by the dealer, but I don't want to sound like Mom)...
Now if you don't currently have car insurance, then yeah, you're sol until you get a policy written.
But the OP is right about Staten Island and the Belt. Ugh. Drive slowly so the wheels don't fall off from the potholes. j/k
Racer
Joined: Jan 2005
Posts: 468
Likes: 320
I thought the NCM didn't write polices in NY? How are you getting your plates? Is Kerbeck setting you up with a NY plate service company? You are going to drive off with an in transit plate, how are you going to get your NY plates and registration?