What does ” your car insurance is no longer in effect” mean?
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UPDATED: Aug 10, 2012
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Insurance Question from Fort Pierce, FL
Asked on 08/10/2012
What does ” your car insurance is no longer in effect” mean? I lapsed in my car insurance payment,I was sent a notice stating it is no longer in effect,does that mean its been canceled and I should get another one?
Answer given on August 11, 2012
If you received a notice that says “your car insurance is no longer in effect” it means just what it says. The insurance is not in effect as of the date of that letter.Some insurance companies will allow you to pay late and will reinstate the insurance with a lapse in coverage. The insurance will reinstate as of the date the payment is received, but you will have been without insurance for the time from the cancellation date to the date payment was received.You should call your insurance company immediately to see if they will allow you to pay the premium and reinstate the policy. This is usually much easier than starting over again with a new policy. Plus if you have any discounts for having been with the company over a period of time you will get to keep that discount.If the company will not allow you to reinstate the policy then ask if they will rewrite the insurance. If so, be prepared to give them a payment immediately as they won’t reinstate without payment.
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