Oregon auto insurance customers, including those with SR22's. Just a gentle reminder to you all about adding cars to your auto insurance policy. Please remember that each auto insurance company has their own rules about how long you have to add a car to your policy. Give us a call at 503-489-3143 if you are a customer of Pulse Insurance, and we will help you find out.
Unless you have a non-owner auto insurance policy vehicles newly purchased are covered under your existing policy up to the number of days specified by your auto insurance company. This can vary from immediate (for non-owner's policies) to 14 days. Make sure you read your auto insurance policy. They are mailed to every Oregon insurance policyholder. Most people don't read them, but they represent the document that will determine how your policy works, and you should keep them in a safe place.
Many of our customers in Gresham and the Portland metro area , or anywhere in Oregon, seem to think they have 30 days to add a vehicle to their policy. That is not necessarily true, read your individual policy. Some of our companies only provide coverage for new vehicles for 14 days. High risk or non-standard policies that already have a car on them could have as small as a four (4) day window to add a vehicle. Always call and add your new vehicle as soon as possible. Otherwise you may find yourself not covered in case of a claim or a moving violation.
Non-owner auto insurance policies do not offer even temporary insurance for a vehicle owned by you. If you have a non-owner's auto insurance policy, call your agent or call directly to the insurance company and make sure you add the car as soon as you purchase it. Even if it is over a weekend. Then in the event of an accident you can at least prove you attempted to add the vehicle before the accident happened (calls are time and date stamped, so be aware if you try to add it after an accident and have it covered).