Question about insurance - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Croathlete · 06-09-2009, 02:36 PM

My dealer says my car should be coming in this week (just like last week), and he asked me to send him my insurance card with the Camaro listed on it. Should I really have this done before the car arrives? What if the car doesn't show up for another couple of weeks, won't I be paying insurance on a car I don't have yet?

Thanks in advance for some insight.

TomSlick · 06-09-2009, 04:37 PM

When I got my car, I just told Geico when I was getting it...
If you dont have it by the date you expect it by then just tell your insurance company to hold off.
All the dealer needs is proof that you have an insurance policy. They can call your insurance if they need verification. Who has insurance on a car they havent even signed for yet lol

*mlee* · 06-09-2009, 04:46 PM

They should not need that at all unless you are financing through them. You will get charged if you add it now.

I called my ins company the night before I picked it up. They informed me I could just get the car and I was covered for 30 days automatically under my old terms. That was a shock to me and I'm sure it's not that way for all companies... I added it anyway since I had them on the phone and I knew I would get the car in the morning.

Call your ins co and get the details from them... they can fax info directly to the dealer if they insist.

Also, I'm sure the rules are different for every state...

Lauryn200 · 06-09-2009, 04:52 PM

Just went through this,ordered GTI last Monday...it's not here yet,but they gave me the VIN and contacted my insurance company.I run to insurance pay downpayment and up to now...no car.

I get my first monthly insurance bill today for a car I am NOT in possession of yet.Went to insurance company today,they voided insurance and until I take ownership.Which the dealer tells me will be this friday for sure.Than I will contact insurance and my effective insurance date will be Friday.

The dealership cannot send to DMV the date of June 1 because that is now void.It will be when I have taken "ownership"....friday..maybe..

If anything happens to that car,you will be held responsible...if it is under your insurance...wait until you have the keys in one hand and the door handle in the other......it's too much of a headache..I learned a lesson but thank goodness it's been taken care of.....

3 SS's · 06-09-2009, 04:54 PM

Yep...you can usually have proof of insurance faxed to the dealer within an hr from the time you call and add the car to the policy.
I'm waiting til the day before I KNOW FOR SURE that I'm picking it up, and having the policy date effective at 12:00 AM that night.

Smokes35 · 06-09-2009, 07:08 PM

Hi kids.... Im a licensed insurance agent in Pennsylvania (www.gallinaandsons.com)...

All you need is a CURRENT insurance card, reguardless of the vehicle listed. You then have 30 days to inform your current insurance carrier of the change. Yes, these rules may vary from state to state, but thats the status quo in most of the 50 states.

Call your agent, explain the situation, and they will usually be happy to make you an insurance binder. a BINDER is good for 30 days, so you can wheel and deal to make the dealer happy, and then inform your insurnace agent should you decide to purchase the vehicle...

Got it guys? happy driving!

wullger · 06-09-2009, 07:26 PM

Quote:

Originally Posted by Smokes35

Hi kids.... Im a licensed insurance agent in Pennsylvania (www.gallinaandsons.com)...

All you need is a CURRENT insurance card, reguardless of the vehicle listed. You then have 30 days to inform your current insurance carrier of the change. Yes, these rules may vary from state to state, but thats the status quo in most of the 50 states.

Call your agent, explain the situation, and they will usually be happy to make you an insurance binder. a BINDER is good for 30 days, so you can wheel and deal to make the dealer happy, and then inform your insurnace agent should you decide to purchase the vehicle...

Got it guys? happy driving!

Yup! Binders are your friend

On a side note, my insurance agent called today asking if mine was in yet. They know I'm getting one and can't wait to see one in person

06-09-2009, 02:36 PM	#1
Croathlete Danny Drives: 2010 Camaro 2SS/RS Join Date: Nov 2007 Location: NYC Posts: 1,656	Question about insurance My dealer says my car should be coming in this week (just like last week), and he asked me to send him my insurance card with the Camaro listed on it. Should I really have this done before the car arrives? What if the car doesn't show up for another couple of weeks, won't I be paying insurance on a car I don't have yet? Thanks in advance for some insight. __________________ 2SS/RS CGM with black rally stripes DON_RAFA describing my Noweeds cutouts - "Very Strong. When I couldn't see you I still heard you. Sounds like your car is pissed at the world."

06-09-2009, 04:46 PM	#3
mlee CamaroFans.com Drives: ZLE & ZR2 Join Date: Oct 2008 Location: Conroe, TX Posts: 37,973 View My Garage	They should not need that at all unless you are financing through them. You will get charged if you add it now. I called my ins company the night before I picked it up. They informed me I could just get the car and I was covered for 30 days automatically under my old terms. That was a shock to me and I'm sure it's not that way for all companies... I added it anyway since I had them on the phone and I knew I would get the car in the morning. Call your ins co and get the details from them... they can fax info directly to the dealer if they insist. Also, I'm sure the rules are different for every state... __________________

06-09-2009, 04:52 PM	#4
Lauryn200 I Pity The Fool Drives: Jeep Wrangler '06 & VW GTI 09 Join Date: Jun 2009 Location: NYC Posts: 873 View My Garage	Just went through this,ordered GTI last Monday...it's not here yet,but they gave me the VIN and contacted my insurance company.I run to insurance pay downpayment and up to now...no car. I get my first monthly insurance bill today for a car I am NOT in possession of yet.Went to insurance company today,they voided insurance and until I take ownership.Which the dealer tells me will be this friday for sure.Than I will contact insurance and my effective insurance date will be Friday. The dealership cannot send to DMV the date of June 1 because that is now void.It will be when I have taken "ownership"....friday..maybe.. If anything happens to that car,you will be held responsible...if it is under your insurance...wait until you have the keys in one hand and the door handle in the other......it's too much of a headache..I learned a lesson but thank goodness it's been taken care of..... __________________ ........"Is custom faded?" Jeep Wrangler 06 & VW GTI 09 "My Fast"-

06-09-2009, 07:08 PM	#6
Smokes35 Drives: 2010 Camaro SS, 2006 Ram SRT10 Join Date: Jun 2009 Location: Pittsburgh. PA Posts: 248	Hi kids.... Im a licensed insurance agent in Pennsylvania (www.gallinaandsons.com)... All you need is a CURRENT insurance card, reguardless of the vehicle listed. You then have 30 days to inform your current insurance carrier of the change. Yes, these rules may vary from state to state, but thats the status quo in most of the 50 states. Call your agent, explain the situation, and they will usually be happy to make you an insurance binder. a BINDER is good for 30 days, so you can wheel and deal to make the dealer happy, and then inform your insurnace agent should you decide to purchase the vehicle... Got it guys? happy driving! __________________ NKMB8X 1100 = Preliminary Order: 5/29/2009 3000 = Accepted By Production Control: 6/17/2009 3300 = Scheduled For Production: 6/22/2009 3400 = 7/20 TPW as of 7/18/2009 3800 = Built!!! 7/27/2009 VIN 2G1FT1EW3A9129998 6000 = 8/4/2009 Giggity!

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06-09-2009, 04:37 PM	#2
TomSlick Drives: 2014 RED HTO 2LT/RS Join Date: Apr 2009 Location: Fairfax VA Posts: 115	When I got my car, I just told Geico when I was getting it... If you dont have it by the date you expect it by then just tell your insurance company to hold off. All the dealer needs is proof that you have an insurance policy. They can call your insurance if they need verification. Who has insurance on a car they havent even signed for yet lol

06-09-2009, 04:54 PM	#5
3 SS's Drives: Chevelle SS's Join Date: Feb 2009 Location: outta my mind Posts: 3,034 View My Garage	Yep...you can usually have proof of insurance faxed to the dealer within an hr from the time you call and add the car to the policy. I'm waiting til the day before I KNOW FOR SURE that I'm picking it up, and having the policy date effective at 12:00 AM that night.