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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: Jul 24, 2017

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Insurance Question from Conger Corners, NY

Asked on 07/24/2017

Cancellation Our insurance is set to cancel August 8, 2017. If we switch before that would there be any lapse in coverage?

Answer given on July 25, 2017

If your insurance is cancelling you can replace your insurance before or at that time. It is better to replace as of the cancellation date so there is no duplicate coverage.

You didn’t indicate why your insurance is “cancelling”. If the insurance company is cancelling your insurance coverage due to claims or other issues, you must tell your new insurance company about it and fix any issues that you can fix. If it for claims, you will find it difficult to find a replacement insurance policy. You can ask for a higher deductible to offset the claims issue, but that is not a guarantee that you can find replacement insurance.  Start shopping immediately. You may need to  go to a specialty insurance company for a few years. This is usually more expensive, but may be your only option. Talk to an independent insurance agent who has access to multiple insurance companies to see the best deal you can get.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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