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Old 07-23-2014, 09:14 PM   #1
dbg326 OP
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Fly-and-Drive Insurance

Hey guys, I apologize if this comes across as a bit daft. I'm headed out to Indy the first week of August to visit friends from college (I graduated from Valpo in May) and to buy a Miata off of my roommate's brother-in-law. My roommate's dad bought the car specifically for the hardtop, gave it to the BIL, and now they're looking to move it.

Anyways, my question is this: should I take out a policy prior to purchasing the car, or should my current auto insurance cover me for the journey home? Again, as I type this, it seems fairly obvious that the first option is the best course of action, but additional input/anecdotes are appreciated.
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Old 07-23-2014, 10:07 PM   #2
Walterxr650l
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Quote:
Originally Posted by dbg326 View Post
Hey guys, I apologize if this comes across as a bit daft. I'm headed out to Indy the first week of August to visit friends from college (I graduated from Valpo in May) and to buy a Miata off of my roommate's brother-in-law. My roommate's dad bought the car specifically for the hardtop, gave it to the BIL, and now they're looking to move it.

Anyways, my question is this: should I take out a policy prior to purchasing the car, or should my current auto insurance cover me for the journey home? Again, as I type this, it seems fairly obvious that the first option is the best course of action, but additional input/anecdotes are appreciated.
Generally most insurance policies will cover a new vehicle for a few days to give you a reasonable amount of time to get the new vehicle insured. But a simple call to your insurance agent after the deal is completed will insure that you are covered. Your agent should also be able to fax or email you proof of insurance, just in case you should encounter someone in authority, who wants to see such proof.

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Old 07-23-2014, 11:54 PM   #3
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Read your policy, but, every vehicle policy I've had covered purchased vehicles.
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Old 07-24-2014, 12:50 AM   #4
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+1

But a quick call will reassure you.
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Old 07-24-2014, 03:28 AM   #5
adam_c_eckhardt
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Why would you NOT insure the new vehicle the moment you purchase it?
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Old 07-24-2014, 04:36 AM   #6
madeouttaglass
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I always call my agent and give them the VIN before I go. Call them again to confirm if you do buy. One or two calls could save you a world of issues if there is an incident on the way home.
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Old 07-24-2014, 12:25 PM   #7
Jonnylotto
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Quote:
Originally Posted by adam_c_eckhardt View Post
Why would you NOT insure the new vehicle the moment you purchase it?
Because back in the days before AOL you couldn't?

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