 The procedures of adding vehicles to auto insurance policies vary within each
carrier. When adding vehicles, be prepared before contacting your carrier by
having available information which will be needed such as; year, make and model,
vehicle identification number (VIN), license plate number, odometer reading,
estimated annual miles used per year, type of use (pleasure/commute/commercial)
and coverage required.
Generally, insurers will have one of the following options of adding or even
replacing/changing vehicles:
- By Phone – Some carriers will allow you to call in and request the change. Not
all carriers allow this method but contact customer service to ask what
procedure they require. If your carrier does allow the addition of your vehicle
by phone, be prepared by having the above mentioned information.
-
By Mail – Be cautious when using this method. Make sure to use this method
only if instructed to do so by your carrier and verify that the address you’re
mailing the request to be correct and ask what information needs to be
submitted. This method may delay your effective date of coverage and you may
even run the risk of lost mail. It is suggested to try alternative methods of
endorsements (change requests)
-
Online – Some auto insurance company websites give insureds the option of
making changes online. This most likely will require you to complete a
questionnaire and input all vehicle information into the system. Be cautious
about mistakes and incorrect data. It may be a good idea to contact the company
afterwards to ensure accuracy and completion.
-
Through your agent – If you purchased your policy through an agent, you may
want to simply visit the agent to add your vehicle. Be sure to bring the vehicle
registration with you and be prepared to answer their questions as mentioned
above. If you purchased through a brokerage, you may want to ask if there are
any additional broker’s fees involved in the addition of your vehicle.
The most important thing is to make sure that you understand the coverage you
are being issued and be sure to know when your coverage will become effective.
Some changes will not be effective immediately so be aware and consider avoiding
use of the vehicle until you receive confirmation of coverage.
Many policyholders assume that they have time to add their vehicle to their
policy since coverage will extend to the newly acquired vehicle. This may be the
case sometimes but not always; additionally, there are exceptions, conditions
and exclusions to this guideline so never assume, contact your carrier to be 100
% sure and well informed.
Be sure to read our article for more information on
making changes to an auto insurance policy for more details on the
endorsement process and procedures. |
