When replacing a covered auto with liability coverage only, how many days does an insured have to request collision coverage for a newly acquired auto?

When a policyholder acquires a new vehicle and has liability coverage only, they have a specific period during which they can request collision coverage for that newly acquired auto. This time frame is typically set to ensure that the insured can adequately protect their new vehicle without having to go through a lengthy process immediately following the acquisition.

The correct duration is 4 days. During this time, the insured can notify their insurance company and request the addition of collision coverage for the newly acquired auto without a lapse in protection. If the insured does not make this request within the 4-day window, they may lose the opportunity to add collision coverage, which could leave the vehicle unprotected in the event of an accident.

Understanding this timeframe is crucial for policyholders, as it emphasizes the importance of timely communication with their insurance provider when changes occur in their vehicle ownership status.