What happens if I have a car insurance lapse? 😬🚗

So, you’ve forgotten to pay your insurance. Or you’re in a tight spot where you couldn’t pay your premium. What happens next if you have a car insurance lapse?

What to do if your car insurance lapses.

Well, if it was only a quick “oops”, you could explain that to your agent. As long as you didn’t wait too long and you’re usually good about paying your car insurance, you may be able to reinstate your coverage with no issues.

However, if you’re procrastinating paying for coverage and talking to your agent about it, you’ve probably been canceled at that point.

And listen: DON’T DRIVE YOUR CAR if you don’t have car insurance. Don’t drive it if it’s been canceled. Don’t do it. There are too many ride-sharing services and public transportation systems to access. As soon as you know you don’t have insurance, your car should be off. limits.

If your coverage was canceled due to non-payment, it does not look good to your insurance company if you try to come back. It also doesn’t look good to next carrier you try to get coverage with. That doesn’t mean it’s impossible to get car insurance ever again. It just makes it difficult and possibly more expensive.

So, what’d we learn? Try not to have a car insurance lapse. Pay your car insurance on time. Talk to your agent if you can’t or forgot. Set up automatic payments if you can (you may even get a discount).

Get car insurance quotes.

You know how else you can get discounts? Getting quotes from our agents. They love to help with that kind of stuff, and they try to work with whatever your situation may be. To start seeing what they can really do, tap on that chat bubble in the lower right-hand corner. It’s free!

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