It has been several weeks since I got the VFR, and I still hadn't gotten my insurance cards in the mail. My agent is usually good about getting them out to me quickly, so I gave them a call to check.
Turns out that the finance person at the dealer never contacted them to switch my insurance over. So, I rode for over 3 weeks with no insurance. If an accident had ocurred, I guess I would have been up the creek.
yeah, in 3 bikes, 3 vehicles, etc, not ONCE have they called my agent to let them know I have a new vehicle... I've just gotten in the habit of calling them the first business day after the new "ride" arrives...
Strange, I thought AHFC requires the dealer to call the insurance agent to make sure the motorcycle gets proper coverage. My dealer won't even let me make the call, they insist on calling for me. :idunno:
Same thing happened to me one time with an old car of mine. Guess its just luck that nothing did happen during that time although I don't know whos fault it would be
I never even considered that the dealer would call my insurance. Sounds kinda odd that you would even expect it. There is always a waiting period when picking up a bike, be it 15 minutes or sometimes even more. That's when I pick up the cell and call the insurance company with my new VIN number. This way there is no confusion and I know I'm riding off the showroom floor with no worries about insurance.
Like I said, it has always been handled for me; and they told me they would this time as well. (Mainly because the finance companies require insurance, and the dealers are required to supply that information to the finance company when they do the paperwork.)
Same thing happened to me one time with an old car of mine. Guess its just luck that nothing did happen during that time although I don't know whos fault it would be
All I can say is, that with all 8 cars/trucks, and all 5 motorcycles I have purchased, I have never had to contact the insurance company. The dealers are supposed to do it to comply with finance company regulations.
Now if you pay cash for a vehicle, that's different. In that case, yes, it should be your responsibility.
Actually my State Farm agent told me the same thing. He said that they rarely do motorcycle policies anymore. And that they only give them to long term, good standing clients.
All I can say is, that with all 8 cars/trucks, and all 5 motorcycles I have purchased, I have never had to contact the insurance company. The dealers are supposed to do it to comply with finance company regulations.
Now if you pay cash for a vehicle, that's different. In that case, yes, it should be your responsibility.
Insurance agents are fukall. I've made a habit out of just leaving the dealer after picking up the cage/bike and rolling straight to the insurance company to get my card, no taking chances.
Actually my State Farm agent told me the same thing. He said that they rarely do motorcycle policies anymore. And that they only give them to long term, good standing clients.
But what they fail to realize is I insure a car, truck, house and 2 bikes. And because of the bike policy I have incentive to shop as an unhappy customer.
I've been told it is law here that your insurance carrier provide coverage on any new vehicle for 30 days. You are supposed to tell them within three days, but not required.
Of course, I haven't personally looked it up, so I can't be sure it is law.
Either way, I always call and make sure it is set up, and haven't run across the dealer not doing it yet.
I guess your info got lost in the pile or something. :idunno:
Not sure about the nationwide rule, but being in banking and dealing with insurance companies day in and day out I know that in Missouri, Kansas, and Nebraska there is a 30 day "grace period." The insurance agent can't deny the claim during that period, as (in my case) the 30 day wait is written into the law. I don't know if it has anything to do with the 30 day tag law, but it works nicely there also.
In the land of sue the crap out of anyone that dares give oyu a hot coffee, is that not a VERY legitimate reason to sue, should something bad happen? An dif not, then surely, it is YOUR job to do it. Or hav eI missed the point?
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