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How long do I have to notify my insurance of my new car?

I live in Virginia, and I’ve decided to buy a new car. How long do I have to tell my insurance company about it?

avatar
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In
Virginia
, you legally have 30 days to let your insurance company know about your new purchase. That said, it’s best to let them know ASAP as some insurance companies may require a different time frame.
An accident could cause financial hardship if you don’t contact your insurance company as soon as possible. It’s recommended you let your insurance company know the day you buy your car to avoid a
lapse in coverage
.
If you don’t have insurance, you’re required to pay a fine of $500 in Virginia, and if you wait more than 30 days, your insurance rates will increase anywhere from 8% to 35%. You might also have to pay a $145 registration reinstatement penalty specifically for Virginia.
If you’re finding the amount of paperwork or the call to your insurance company daunting, you can get help with the
Jerry
app. Jerry is an insurance broker that lives in your pocket. Jerry even keeps a copy of your insurance, so you have proof of insurance 24/7!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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