from the facts that you gave me, I think there is a grace period for adding a vehicle when purchased to your existing insurance policy. I certainly would check with your agent and or an attorney.
This is a general answer and is not to be considered specific legal advise.
You need to review your policy ASAP to see how long you are given to add a new car to your policy.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
I know in Michigan you cannot title a car in your name without proof of insurance. I would talk to your agent about the circumstances. Sorry, I am not licensed in Ohio, but again in Michigan the owner of the vehicle is liable. So, talk to an Ohio lawyer about whether or not your husband can be sued. Good Luck!
Call your insurance agent immediately and read your insurance policy for their specific time period.
Many car dealers will not let you drive off the lot unless you have insurance on the car and it is quite possilbe that the dealer may have contacted the insurance carrier and/or agent and notified them of the car before you left their lot--in that case, you will likely have coverage.
If that was not done, then you may have temporary coverage for your new car under your existing insurance policy. Many policies will provide you with a 14-30 day grace period to actually include the new car to the policy. I believe Allstate has/had a 30 day window while Progressive only had/has a 14 day window.
At the end of the day, your insurance contract should tell you what that time period is. Also, it may matter if you only had a liability policy of insurnace at the time of the collision.
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Most policies have a period of time to add a car. Check with your company. They might not be happy about it but if you are within the window you should be covered. Settlement out side of your insurance company can be a big problem for you and you should leave it to the insurance company.
This response does not constitute legal advice and does not create an attorney-client relationship. Legal problems and solutions depend on their unique facts. Due to the complexity and ever-changing nature of the law and to the limitations of this forum, this information may not be complete or adequate for your specific situation. Laws and regulations often differ from one jurisdiction to another. Mark E. Barbour practices in the State of Ohio.
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