Getting Coverage After Your Auto Policy Has Lapsed

Here’s what you can do to secure auto coverage if you’ve accidentally allowed your policy to lapse.Getting Coverage After Your Auto Policy Has Lapsed

Whether you have forgotten to make a payment or have forgotten to renew your policy, there are many instances in which drivers have accidentally allowed their car insurance to lapse. If this happens to you, it’s incredibly important to quickly regain the coverage you have lost. Here are some of the ways you can secure coverage after your auto policy has lapsed.

Ask to Have Your Policy Reinstated

The easiest and most straightforward way to regain the coverage you have lost is by contacting your auto insurance provider and requesting to have your policy reinstated. If you have simply missed a payment but are otherwise in good standing with your insurer, they will likely reinstate your policy.

However, some insurers aren’t quite so generous. Some might only reinstate your policy after you have paid a penalty fee and some might refuse to reinstate your policy at all. Keep in mind that your insurer is not required to reinstate your policy if you have allowed it to lapse. If you have missed your reinstatement grace period or have proven yourself too risky to insure, your insurance provider has every right to cancel your policy.

These are some of the steps that you can take to get auto coverage after accidentally allowing your policy to lapse.  Do you have additional questions regarding your auto insurance?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.