Replacement vs. Additional Vehicles and Notification to Carrier

Our insured purchased a Cadillac on 03/24/07 which was not immediately added to the policy. The policy renewed on 03/31/07 so the vehicle was acquired in a different policy period than when the request was made for coverage. The PAP defines “newly acquired auto” in paragraph K.1. as “any of the following types of vehicles you become the owner of during the policy period.” And, according to paragraph K.2.a., “if a newly acquired auto replaces a vehicle shown in the Declarations, coverage is provided for this vehicle without your having to ask us to insure it.”

This raises the question as to whether the insured does not have to ask the insurer to insure the auto only during the policy period in which it was acquired for coverage to apply, or does the portion of the contract stating that the insured does not have to ask the insurer to insure the newly acquired auto stretch across policy periods. There is nothing that states that this promise will terminate at the end of the present policy period, and I cannot find any discussion specifically addressing whether the coverage carries through to future policy periods indefinitely without the insured needing to request for the car to be insured