The thing is that this coverage would only be available for certain days.After that you will need to include your new car in your existing policy or buy a separate coverage.You might have heard someone say, “Yeah, I just finished backdating my car, and it looks sweet!
I don’t want to explain to DMV why it was not insured from the start, if they ask.
Answer: If your auto insurer is already providing coverage for the car automatically as part of your standard coverage they may consider your request to backdate insurance coverage for the new car from the date you purchased.
If you are asking them to backdate the coverage and give you a proof of insurance you are asking them to start insuring your automobile properly.
That would require premium payment whereas automatic coverage for a new car may be provided free or for a small premium until you make suitable arrangement.
It is your responsibility to insure your automobile.
If you chose not to insure it you will have to face the consequences.This type of coverage is offered when the amount of the claim is very uncertain and potentially long delays in payment may result.The premium charged by the insurer, coupled with its investment value, is calculated to be sufficient to cover all the claims from the incident. See also Retroactive insurance; Loss mitigation underwriting.That is why you need to check if there is another company with cheaper premium for the same coverage. In the above scenario, the vehicle was already insured automatically under a policy for another auto.It is totally different when you want to buy backdated car insurance coverage for a vehicle that wasn’t covered by any policy.Question: I bought a new car and kept it several days at home because I knew that my current insurer insures it automatically for up to 30 days.