What Happens If My Auto Insurance Lapses?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482If you live in a state where auto insurance is required in order to maintain registration, then in many cases, like here in Connecticut, the insurance company will notify your state's Department Of Motor Vehicles (DMV) about the lapse. DMV will send you a letter for each of the cars on your policy asking that you show proof of continuous coverage from the date of the lapse. If you have not obtained coverage elsewhere, DMV will notify you that your registrations will be suspended and then also levy a fairly hefty fine.Answered on May 14, 2014flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaIf your insurance lapses all coverage will cease. Any losses incurred after the lapse will not be covered. You will still be responsible for any premium outstanding on the policy. In California, the motor vehicle department will be notified. If you have a lender, the lender will be notified. At the lender’s option “forced coverage” can be ordered. You will not be happy with the price of that coverage.Answered on May 14, 2014flag this answer
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