How do you renew a policy after a lapse of 2years

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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: Feb 20, 2012

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Insurance Question from New Port Richey, FL

Asked on 02/20/2012

How do you renew a policy after a lapse of 2years My Aunt[95 years old] has forgotten to renew her policy while continuing to drive. Today they want your previous policy # etc. to renew or change companies-any suggestions? So far she refuses to stop driving. I do have power of attorney. Do I have any legal liability here?Thank you, Roy

Answer given on February 20, 2012

Each state is different as to how they charge rates for previously uninsured drivers. If there is a discount given for having had insurance, it appears your aunt will not get that discount. However, she may want to speak to her old insurance company to see if they will take her back and perhaps give her the discounts in spite of not having previous insurance. Since she apparently didn’t have any tickets or accidents in the time she was uninsured the company may be cooperative. If not, she should shop around to see if she can find a better price for her insurance. There could be an issue due to her age, as some insurance companies won’t take new policyholders over a certain age. AARP sometimes has reasonable rates for older drivers.If you feel she should not be driving, you can ask her doctor what he/she thinks. If they agree, they can contact DMV to review her license to see if she should continue driving. You can also contact DMV directly if you are concerned. Even though you have power of attorney, it should not make you legally liable for any of her actions, but you may want to check with an attorney to confirm this.

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