"When does a car insurance policy’s coverage begin? "

I got into an accident on the way home from buying my car. I was planning to purchase insurance when I got home. The wreck happened about two hours ago. Will I still be covered if I buy insurance now?

Answer
“An auto insurance policy will take effect as soon as you purchase it and not a minute before. This means that if you purchased a car insurance policy at 4:59 p.m. but got into an accident at 4:58 p.m., the damages would not be covered. And lying about when an accident took place is considered fraud.
Unfortunately, this time, as an uninsured motorist, you’re on the hook for damages in the accident. Next time, you should get insurance before leaving with your new vehicle to avoid getting in another predicament such as this.
If you’re still looking for insurance, get Jerry. Signing up is free and quick, and the app can find you affordable quotes from dozens of top companies.
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Johnny Puckett
Answered on Apr 19, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
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