While most states in the country do require a free look period, not every state does, and we recommend that our clients
always check with their insurance company before submitting payment to see what the free look rules are.
Theft deterrent systems are also a good idea (
after checking with your insurance company which safety systems qualifies for a discount) to avail the dual advantage of being safe and enjoy lower insurance premiums.
Please check with your insurance company regarding the specific percentages of coverage that apply to your particular insurance plan, and with your employer or accountant for details of your HCRA or HSA.
If you are participating in racing or other organized activities, you will want to
check with your insurance company because any liability assumed by contract may be excluded, as well as liability for professional activities, and racing or competition.