Get Direct Auto Insurance for Newly Acquired Car

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Thirty days’ automatic coverage for newly acquired car. If you swap cars, your direct auto insurance coverage automatically shifts to the newly acquired car. However, you must notify your insurance company within thirty days. If you fail to give notice of the trade within the thirty days’ grace period, your company can deny you coverage in the event of an accident.

If you buy an additional car, it will be covered automatically, provided all other cars owned by you are insured with the same company. You must notify your company within thirty days and you have to pay any additional premium required because of the insurance on the newly acquired automobile.

Territorial limits. The standard policy applies only to accidents occurring in the United States, its territories and Canada. Before taking your car to Mexico or any other foreign country, you had better see your agent or broker.

No insurance while towing house trailer. Since the war, trailers have become popular. Many trailer owners would be without insurance protection if they had an accident while towing their “house on wheels.” In order to avoid such a situation, you must take out insurance on the trailer itself and the insurance must be with the same company that carries your car insurance.

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Utility trailers, such as are commonly used for hauling gravel or top soil, do not jeopardize your insurance. They can be used without your buying any additional coverage.

If there is any doubt about whether a trailer is a house trailer or a utility trailer, check with your insurance company.
Other policy exclusions. The policy does not apply:
1. To damage to property owned by, rented to, in charge of or transported by the insured. The theory is that you cannot sue yourself. While you are in charge of the property, it is just as though it were yours.
2. To injury to an employee of the insured while in the employ of the insured (other than in domestic employment).
3. To injury to an employee of the insured entitled to Workmen’s Compensation benefits.
4. To an obligation under any Workmen’s Compensation law.
5. Obligations assumed by the insured by contract or agreement.
6. While the automobile is used as a public or livery conveyance, such as a taxicab.

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