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Getting Auto Insurance After a Lapse in Policy

Published on December 21st, 2018

A lapse in car insurance may occur due to a missed payment or failing to renew your policy. Some people may even let their insurance expire on purpose if you are not driving for a long period of time. At some point, you will need to get your car insurance back after it has lapsed. If you need to obtain auto insurance coverage in Chicago after a lapse, here are the steps that you need to take.

Why Are There Lapses in Coverage?

There are many different reasons that there may be a lapse in car insurance. Common reasons include forgetting to pay the bill, selling the car, a car that is damaged or totaled, not having enough money to pay the bill, or failing to renew the policy.

Call Your Insurance Company

The process of getting your insurance reinstated is very straightforward. You will simply have to call your car insurance company to have your policy reinstated. If you have a good reputation with your insurance company, it likely won’t be a big deal. But, if you have multiple missed payments, it might be more difficult to reinstate your policy. Keep in mind that your insurance agency is not required to reinstate your policy and they do not have to renew your coverage if they do not think you are a good fit.

Letting your car insurance lapse in coverage is not a good idea. If you were to get into an accident during this time, you would have to pay out-of-pocket for any expenses that were to occur. If you get pulled over while your policy is not in effect, you could end up receiving a large fine.

Avoid a lapse in auto insurance coverage in Illinois at all costs! If you have more questions, feel free to contact Accurate Insurance today!

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