No, an auto insurance company should not backdate your car insurance, especially for the length of period of a month or more. In general backdating the effective date of an auto insurance policy is not permitted.

If an insurance carrier would backdate the start date of a policy this would inevitably favor the insured, because it opens the insurance company to risk. For example a person could have been in an accident during this time and though they did not have insurance now try to claim it if the insurance was post-dated or backdated.

Backdating may be allowed in other types of insurance, such as life insurance. We have heard of backdating is to the process of requesting that a life insurance policy be issued based on the previous age of the person being insured.

Since with life insurance premiums are based on the age at the time of the application to reduce the annual premium, some insurance companies allow for backdating 60 to 180 days from the date of the application in order to lower the age of the person being insured. However, if backdating a policy is permitted, premiums must be paid from the effective date. In other words, if you backdate two months, you will need to pay the premiums for those two months, even though no life insurance coverage was provided during that time.

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