I bought a new 2021 Honda Civic on Saturday. I called an insurance company and needed to wait to receive paper work from the dealership in order to register for car insurance. I purchased GAP insurance through my credit union. I have no actual car insurance and was going to GEICO today. I did receive a quote from GEICO a week ago as I have my first car insured under them and they stated that they have a 30 day window after the car is bought to add to the policy. The car sat parked in my apartment complex parking lot. I was waiting to drive it after it was insured. Someone crashed into the car while it sat there in a spot fully parked. 3 days after purchasing.The person left a sticky note not including any information other than an insurance claim. They created a claim to their insurance (progressive) and their insurance company hasn’t given any information on the driver other than their name being “Martha” . I am at a complete loss and just want to ask what the next steps are that I should do. I called the cops but should I get an attorney? Tell the dealership the car is wrecked after 3 days. Also what do I do if the car is totaled? I apologize for any vague information on my part or rambling I am devastated.
Posted by Least_Sea7109
4 Comments
I have so many questions, literally so many questions
So the dealership let you buy the car, leave the dealership with no registration or insurance ?
How did you get it home? Is their insurance company asking why there was an unregistered and insured vehicle in the parking lot for their client to hit
Why did the apartment complex allow an uninsured and unregistered vehicle to be stored in their lot
Sooo many questions, sooo many
You need to read a policy and call up your company as long as you carry comprehensive and collision on one of your vehicles you should have coverage and even on a new purchase you should ask very limited coverage again. Read your policy then call your company.
What state? What are the effective dates of your GEICO policy? Was the Honda Civic a replacement for your first car or an additional car? What is the coverage on your first car?
An attorney isn’t really necessary here.
Ask Progressive what the claims process is. Ask what they need from you in order to get the ball rolling. If it is totaled, there might be a clusterfuck paperwork wise because it’s all in limbo. I’m not sure what the dealership would do, but at the same time, you’re not the registered owner right now. There probably isn’t even a title that has your name and the lien holder’s name on it right now.
Call them right now and add the car on the date you purchased it (as long as you have another car already insured with them). See what progressive says and if you are not happy with the progress file a claim with Geico.