It’s that time of year again—time to renew your car insurance. But before you do, are you sure it’s still valid? And if it is, how long will it last? Both of these questions are important to consider because the car insurance lapse period can vary from state to state. In some places, the lapse period is only a few days. In others, it can be up to a year or more. So what does this mean for you? If your car insurance lapses within the state you live in, you may be required to purchase new coverage or pay a fine. And if your car insurance lapses outside of your state, the consequences can be even worse. It’s always important to check with your car insurance company to find out the specific lapsed period in your area. And if you have any questions about your policy’s validity or how long it will last, don’t hesitate to call customer service. They’re there to help!
An overview of car insurance
Car insurance is a type of protection that individuals or businesses can purchase to cover losses in the event of an accident. Coverage typically lasts for a set period of time, usually three, six, or 12 months. Once the coverage has expired, the individual or business is responsible for any damages or injuries that occur while the policy is inactive.
There are a few factors that determine how long car insurance will remain in force. Primary among these are the state laws in which you reside. In every state, car insurers must provide at least minimal liability coverage for events occurring within the state. This minimum coverage ranges from $500,000 per person to $5 million per accident for properties located within the state boundaries. However, most states have additional provisions that increase this coverage limit.
Beyond the state law requirements, your insurer may also have specific policies regarding how long coverage remains active. Most auto insurance policies include an “implied term” clause that allows insurers to renew your policy automatically if it has not been cancelled or lapsed within a certain timeframe. This window usually falls between three and twelve months after your policy’s expiration date.
If your policy falls outside of this window, you may need to contact your insurer directly to inquire about renewing your coverage. Alternatively, you can also check with an agency that specializes in car insurance renewal processes like The General® . Generally speaking, though, it’s best to speak with your insurer as soon as possible if you’re unsure about your policy’s current status.
When car insurance lapses
If you don’t renew your car insurance, it will lapse and your rates will increase. Here’s how long car insurance can lapse:
Most car insurance policies have a term of 12 months. This means that if you don’t renew your policy by the end of the year, your policy will lapse and you’ll be subject to increased rates. If you’re more than 30 days late in getting your policy renewed, your rates will be increased by up to 50%.
How to get your car insurance back up and running
If you have had your car insurance lapse in California, it is important to get it up and running as soon as possible. Here are some steps to follow:
1. Call your insurance company as soon as you notice the lapse. Explain that you have regained coverage and would like your policy reinstated.
2. If your insurance company rejects your claim, contact the California Department of Insurance (CDI) at 1-800-927-2933 for help.
3. If CDI approves your claim, they will issue you a new policy number and a temporary license plate tag.
4. Return your old plates and documentation to the DMV within 10 days of receiving the new tags.
When your car insurance lapses, it can cause a lot of stress and anxiety. You may be wondering how long car insurance will lapse for, or if there is anything you can do to get it reinstated as soon as possible. Keep reading to find out more about the different types of car insurance that exist and the potential consequences of having them lapse. Finally, we have provided some tips on how to try and resolve any issues should car insurance lapse.