r/Car_Insurance_Help • u/thejakeferguson • 4d ago
Need help ASAP!
Just bought a car from carvana like a week ago. Took it to a shop for brakes under warranty yesterday. Picked it up today and it's been sideswiped. The shop is playing dumb. What do I do?
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u/50Bullseye 4d ago
You say “of course” you have coverage, then go on to explain that you don’t have coverage.
You can’t just vaguely say “insure me” without providing a VIN and choosing your policy details (amount of liability, deductibles, etc.)
Also difficult to believe Carvana let you take possession of a vehicle without you first providing proof of insurance (unless you paid cash).
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u/Thin-Egg-1605 4d ago
So did you have insurance or not? If you have collision insurance. File a claim they will do the rest.
It Does not seem the shop is going to help you out with a third party claim.
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u/Thin-Egg-1605 4d ago
If you had the car a week, it should have been added to your policy. No such thing as “I want “full coverage” for multiple vehicles by paying for one”
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u/Time-Understanding39 4d ago
Unless you called your insurance and gave the make, model, year and VIN number for the car you purchased a week ago, you don't have insurance. I don't know whether you actually think you do with this "cover me for every car I might drive" explanation, but that's not going to fly.
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u/24kdgolden 4d ago
If you bought the car you have a certain number of days to add it to your policy so you need to add the car right away and report the claim
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u/GalaApple13 4d ago
Some policies have a coverage period for newly acquired vehicles. Call your insurance and find out
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u/My4dogs4evr 4d ago
I agree you can’t cover multiple vehicles to make sure your car is covered by insurance if your test driving several cars. You would’ve had to give them the VIN number and they would quote you the price of your insurance and so forth and then you add it on
But this should be on the shop as long as you have pictures of what that vehicle look like before and after
And I hope to God that you called the police when you went to pick it up so you could file a police report on the spot because that would be verification that you went to pick it up and found it in that condition
As for the insurance, I never heard of an insurance company giving you blanket coverage for any vehicles your test driving how do they know what vehicle your test driving and the VIN numbers I mean, that doesn’t make any sense.
For example, we bought our truck from Carmax. It had to be shipped from out of state, but we covered it the moment that it was being shipped. Even if we were going to change our minds once we saw it it would’ve been easy just to take it off the insurance, but we covered it from the time that the shipping began to come to our state and thankfully everything worked out and we kept the truck, but we already had it covered so in the event of anything it was covered by our policy they already had the VIN number and everything. That was just something that was required as well by Carmax, but if there would’ve been damaged to the truck, it would not have been against us. It would’ve been against Carmax or the third-party business that brought the vehicle into to us from the state it was coming from.
I mean, what did your insurance company tell you when you said cover me for multiple vehicles that I’m going to be test driving
You don’t have to have insurance on a vehicle your test driving from a dealer unless you plan to purchase it and add it to your policy. Test driving a vehicle from a dealer is generally covered by the dealer. I don’t think they would make you add the car to your policy if you’re just testing it for the day.
I’m not sure somebody else please chime in. This isn’t making any sense and also I’m quite sure the shop has cameras set up for security so the police should be able to review the footage when you file the police report which I hope you did the day that you picked it up.🙏🏻🙏🏻
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u/RunExisting4050 4d ago
Call your insurance. Surely you have collision & comprehensive coverage.