What does ” your car insurance is no longer in effect” mean?

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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 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What does ” your car insurance is no longer in effect” mean? I lapsed in my car insurance payment,I was sent a notice stating it is no longer in effect,does that mean its been canceled and I should get another one?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If you received a notice that says “your car insurance is no longer in effect” it means just what it says.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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