Insurance Lapse, Rear-end, Hit & Run

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 13, 2014

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Insurance Question from Carmel, IN

Asked on 08/13/2014

Insurance Lapse, Rear-end, Hit & Run I was behind a car two to three car lengths behind at 45 mph, the light was approximately 1/8 of a mile in front of the car in front of me and was green, when the car suddenly slammed on its breaks and I had no time to stop soon enough, and ended up rear-ending the vehicle. The front end of my vehicle was destroyed, the other car's rear bumper didn't even look damaged. However, the driver continued down the road and didn't return. I however, unbeknownst to me, was lapsed with my insurance. So, what are the insurance's responsibilities to me, when the cop ruled that I wasn't at fault?

Answer given on August 14, 2014

If you have an accident without insurance you can be cited by the police for driving without insurance. It is irrelevant if you were at fault or not in the accident.The insurance companies usually have a grace period to pay a past due premium on your insurance. If you were past the grace period, then you will have no coverage for the damage to your car – you will have to pay for the repairs yourself. Your insurance company may be willing to reinstate the insurance or you may have to apply for a new policy. If the accident shows on your driving record, due to a police report, you may be charged unless you have proof it was not your fault. If the insurance company does not pay for the damages, they may also let the accident not be considered chargeable. Check with your agent or insurance company to see how they will handle this incident.


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