Can I make a claim on my new Cadillac XT6 if it isn't added to my current policy?

The dealership said they would provide insurance for the first 10 days. A rock ended up cracking my windshield. I'm already insured with AAA and was going to wait to add my vehicle to my policy until the dealership's insurance ran out. Can I just add the car to my policy and submit a claim?

Answer
“You’ll first want to contact the dealership to determine what types of coverage they are providing. If they only provide liability insurance, their coverage wouldn’t apply in this situation.
You should also reach out to AAA. Most companies extend current coverage to new vehicles for a specific amount of time. Since you just purchased the vehicle, it should qualify.
However, in order to submit a claim, you will need to have comprehensive coverage on the vehicle. If you don’t, they most likely won’t cover the damage.
Adding coverage after damage has occurred and submitting a claim is considered fraud. You can face serious fines or jail time if the insurance company discovers that the damage happened prior to you buying the necessary coverage. “
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Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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