How do I add a new vehicle or a new driver to my existing California auto insurance policy?

To add a new vehicle or driver to your California auto insurance policy, you must promptly notify your insurance provider and supply them with the required information. Here are the steps to follow: Step 1: Gather the Necessary Information For a new vehicle, you will need the Vehicle Identification Number (VIN), the year, make, and model. For a new driver, you will need their full legal name, date of birth, and California driver's license number. Step 2: Contact Your Insurance Company Immediately Do not wait. You can typically contact your insurer by calling your agent, using the company's website or mobile app, or visiting a local office. Deadlines are critical, especially for a new vehicle. Step 3: Provide the Vehicle or Driver Details Inform the representative that you need to add a vehicle or a driver. Provide the information you gathered in Step 1. Be prepared to answer questions about the vehicle's usage (e.g., daily commute) or the new driver's driving history. Step 4: Review and Approve Policy Changes Your premium will likely change. The agent will provide a new quote. Review the changes to your coverage and cost, then authorize the update. Step 5: Obtain Updated Proof of Insurance Once the change is processed, your insurer must provide you with an updated policy declarations page and new insurance ID cards. Keep the new ID card in your vehicle at all times. Important Details and Nuances Under California Insurance Code § 11580.1(c), your existing policy typically grants automatic coverage for a newly acquired vehicle for a limited period, often 14 to 30 days. You MUST notify your insurer within this window, or you risk having no coverage for the new car. For drivers, any licensed driver living in your household or who will regularly use your vehicle must be listed on the policy as an "insured" person. Warnings and Limitations Failing to add a regular driver to your policy can be considered misrepresentation and may lead to the denial of a claim. Driving a vehicle without it being listed on a policy after the initial grace period is illegal. Under California Vehicle Code § 16029, driving without proof of financial responsibility can result in significant fines and penalties. This is general information and does not constitute legal advice. For complex situations, such as a claim denial related to an unlisted driver or vehicle, you should consult with a qualified California attorney.