My wife and I just purchased a vehicle from a dealership and on the way back she got into an accident and was at fault. The problem lies in that the car we just bought got into an accident before I could get home to add it to the policy. The existing policy for my old car is liability only, however, I was going to add full coverage when I got home to the new car as required by the bank. After talking with my insurance company, they only want to transfer liability coverage over to the new vehicle since the existing policy for my other car was only liability. Are they not required to insure for full coverage since that is what I would have had for the new car? The claims rep said he has to get approval from his manager to add collision on the new vehicle to cover it on the accident day.
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