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 Posted: Tue Jan 27, 2009 2:41 am Post subject: Can I get car insurance and have it dated for a week earlier |
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| need car insurance pre dated.... |
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cya_later77
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| Posted: Tue Jan 27, 2009 9:12 am Post subject: |
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| Why do you need it for? I don't know of any insurance company that would cover you from a past date. With the policy the insurance company promises to cover the future damages that might occur from the causes mentioned in the plan. A past dated policy will be an assurance for the insured to receive coverage for the past damages, which wouldn't be good business strategy from the insurer's part. |
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jeorge
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| Posted: Tue Jan 27, 2009 11:53 am Post subject: insurance |
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| With the Insurance company that I use, you can't 'pre-date' it. The day you buy the policy is the date in which your coverage starts. |
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sdchargersfan
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| Posted: Tue Jan 27, 2009 1:23 pm Post subject: |
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| Quote: | | Can I get car insurance and have it dated for a week earlier |
Oh I'm sorry but this is hysterical!  Well Jeorge, | Quote: | | Why do you need it for? |
clearly the OP has got themselves in some trouble!
Cya, what happened? driving without ins. and got in an accident? I can tell you that any agent caught doing something that stupid (back dating coverage) would lose his license, his job, all contracts, and may face huge fines or jail...you also would be in more trouble than you already are...sooooooooooo if you can find an agent to do that...don't turn your back on him/her.
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Lori
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| Posted: Tue Jan 27, 2009 2:12 pm Post subject: |
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what ? what do you think about these Insurance companies ? Philanthropic organizations ? you got to be kidding .
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renditioner
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| Posted: Wed Jan 28, 2009 5:18 am Post subject: |
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Lori, your response mirrored my own. I could only think of two things that could have happened to cause this:
1. Accident or ticket without insurance. Ooops.
2. Full coverage on a financed vehicle hasn't been proved and the creditor is whining and has attached VSI to the contract for a ridiculous price. Most policies will provide the broadest coverage that exists on currently insured cars for newly acquired cars automatically for a period of time after purchase. Creditors don't, however, get nervous about insurance for a few months after they get the paperwork.
And the likelihood of this being the reason for the question in unlikely. Got a hunch it's #1 above.
OP- there isn't an insurance agent in the world who will backdate auto insurance coverage for you. If they did, they're in a lot of trouble, both with the insurer and the state insurance division. It's expressly prohibited for exactly the reason most would think...these policies are not intended to cover losses that occurred prior to the policy inception date.
I'm sorry this has happened, if this is the case. If it is, we can still help you. Just let us know what's up.
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InsTeacher
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| Posted: Wed Jan 28, 2009 12:23 pm Post subject: |
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| Quote: | | Got a hunch it's #1 above |
Yep I'd go with that one too ...  | Quote: | | If they did, they're in a lot of trouble, both with the insurer and the state insurance division |
And perhaps the local prosecutor might want to join the club as well 
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Lori
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| Posted: Wed Jan 28, 2009 8:30 pm Post subject: |
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I suppose there are thousands of people out there who would give almost anything to "back date" their auto or home policy just 3 or 5 days.
I think most of us know that if we get behind the wheel of an automobile and get stopped by a police officer, the very first things that he/she wants is - "Your registration and proof of insurance, please."
When anyone gets behind the wheel on I-95 and drives 80 mph, without adequate auto insurance, they are just irresponsible drivers, there's nothing else to say. |
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InsuranceMaze
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| Posted: Thu Jan 29, 2009 5:59 am Post subject: |
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Hi!
| Quote: | | Full coverage on a financed vehicle hasn't been proved and the creditor is whining and has attached VSI to the contract for a ridiculous price. |
What is VSI? has it got something to do with my not having insurance? is it a kind of coverage? or a penalty?
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carda-mom
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| Posted: Fri Jan 30, 2009 5:48 am Post subject: |
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| Quote: | | What is VSI? has it got something to do with my not having insurance? is it a kind of coverage? or a penalty? |
Sorry, probably should have explained. "VSI" is "vendor's single interest" coverage. It's purchased and placed by a creditor when a borrower doesn't provide evidence of physical damage insurance coverage on a financed vehicle. They usually give you a little while to prove it, because the lenders know about paperwork, but after awhile they'll do it.
The coverage is expensive and DOES NOT PROVIDE LIABILITY COVERAGE!  I cannot stress that enough. It's simply coverage to protect the lender's interest (financial) in the vehicle being financed in case the uninsured borrower manager to get the car damaged somehow and can't fix it. They could give a rip about the borrower's liability protection, though...
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InsTeacher
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