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Just bought a car... no insurance to drive it out of dealership?

  

Just bought a car... no insurance to drive it out of dealership?

Postby storm81 » Wed Aug 15, 2012 3:59 am

I just bought a car but I dont have insurance because the insurance company told me to wait 15 days to get it... I live in Canada. I heard towing is expensive, what to do??
storm81
 
Posts: 365
Joined: Sat Apr 02, 2011 4:17 am

Just bought a car... no insurance to drive it out of dealership?

Postby earnest » Wed Aug 15, 2012 4:09 am

get insurance or tow it
earnest
 
Posts: 393
Joined: Thu Mar 31, 2011 1:32 pm

Just bought a car... no insurance to drive it out of dealership?

Postby forester » Wed Aug 15, 2012 4:25 am

Almost all car dealerships will have deals with insurance agents. When you buy a car, they will arrange for the agent to come to the office... file out the paperwork, give you a license plate (and decal), etc. on the spot. If you can't insure it, presumably you knew at the time you bought it and could have made arrangements with the dealer.

If they don't, they will either drive you to a motor vehicle office (where they can perform the registration) and you can buy insurance there. In the worst case, you can get a temporary insurance permit (usually 24 to 72 hours) and then drive it to your home. These are usually fairly inexpensive.

I have never heard of a insurance company making you wait 15 days -- baring you not having a license or something. In which case, you should have known this and made arrangements with the dealer to pick it up at a later date or have it delivered to your house -- they have temporary insurance on the vehicle suitable for test driving.

The answer comes down to "Why is the insurance company making you wait 15 days?" Go to another insurance agent/company. Get a temporary insurance certificate. Make arrangements with the dealer to deliver it (if title transfer has not been send in yet). Or yes... hire a tow truck.
forester
 
Posts: 397
Joined: Sat Apr 02, 2011 5:11 am

Just bought a car... no insurance to drive it out of dealership?

Postby merry » Wed Aug 15, 2012 4:34 am

Almost all car dealerships will have deals with insurance agents. When you buy a car, they will arrange for the agent to come to the office... file out the paperwork, give you a license plate (and decal), etc. on the spot. If you can't insure it, presumably you knew at the time you bought it and could have made arrangements with the dealer.

If they don't, they will either drive you to a motor vehicle office (where they can perform the registration) and you can buy insurance there. In the worst case, you can get a temporary insurance permit (usually 24 to 72 hours) and then drive it to your home. These are usually fairly inexpensive.

I have never heard of a insurance company making you wait 15 days -- baring you not having a license or something. In which case, you should have known this and made arrangements with the dealer to pick it up at a later date or have it delivered to your house -- they have temporary insurance on the vehicle suitable for test driving.

The answer comes down to "Why is the insurance company making you wait 15 days?" Go to another insurance agent/company. Get a temporary insurance certificate. Make arrangements with the dealer to deliver it (if title transfer has not been send in yet). Or yes... hire a tow truck.
Find another insurance company. You should pre-arrange insurance coverage before shopping for your car. You'll have some idea as to the type of car you'll be buying. They will collect a deposit for the insurance. When you buy the car, you call the insurance carrier and give them the detail on the car you bought (VIN#, year, make, model, value, etc). You should be able to get insurance the day you buy the car. I've done that many, many times in my 47 years of driving.
merry
 
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Joined: Fri Apr 01, 2011 4:02 pm

Just bought a car... no insurance to drive it out of dealership?

Postby otto » Wed Aug 15, 2012 4:48 am

You don't have a whole lot of choice. Call your insurance and tell them you have to get your new car home and can't wait 15 days. If they can't help find someone who can. It no one can for some unknown reason, get it towed. That's all you can do realistically.
otto
 
Posts: 354
Joined: Sat Apr 02, 2011 4:09 am

Just bought a car... no insurance to drive it out of dealership?

Postby ailen40 » Wed Aug 15, 2012 4:52 am

For car insurance the best way to get a fantastic rate is do a policy comparison on auto policies. Here's a good one I use:
http://car-insurance.moneysavecenter.com
there'll be more on google, good luck
ailen40
 
Posts: 130
Joined: Sun Jul 08, 2012 11:27 pm

Just bought a car... no insurance to drive it out of dealership?

Postby galvyn » Wed Aug 15, 2012 4:54 am

Get insurance from a different insurance company that does not make you wait.
galvyn
 
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Joined: Thu Mar 31, 2011 5:37 am

Just bought a car... no insurance to drive it out of dealership?

Postby darius » Wed Aug 15, 2012 4:59 am

Wait until you get insurance
darius
 
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Joined: Thu Mar 31, 2011 4:27 am

Just bought a car... no insurance to drive it out of dealership?

Postby erle61 » Wed Aug 15, 2012 5:01 am

find a new insurance man............i add, & delete vehicles ( instantly ) with just a phone call and the VIN.........................in USA
erle61
 
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Joined: Fri Apr 01, 2011 12:08 pm


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