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Getting Coverage After Allowing Your Auto Policy to Lapse

secure coverage after a policy lapse

Here’s how you can quickly secure coverage after accidentally allowing your policy to lapse.

Whether you have forgotten to make a payment or forgotten to renew your policy, there are certain cases in which drivers might accidentally allow their auto insurance in Carrollton, Texas to lapse.  If this happens to you, it’s important that you quickly re-secure the coverage that you have lost.  Here are some of the ways you can get the coverage that you need.

Request to Have Your Policy Reinstated

The easiest and most direct way to regain the coverage that you have lost is by requesting that your auto insurance provider reinstate your policy.  If you have simply missed a payment but have a good reputation with your insurer, then there’s a good chance that they will reinstate your policy and forget the issue ever happened.

However, every insurance company will have their own policies.  Some might require you to pay a penalty fee in order to have your policy reinstated, others may refuse to reinstate it at all.  Keep in mind that your insurer is not required to reinstate your policy if you have allowed it to lapse.  If you have missed your grace period or proven yourself too risky to insure, then your insurance company has every right to cancel your policy.

Ask to Be Listed on Another’s Policy

If you are unable to get your policy reinstated, then it’s important that you find another means of coverage as quickly as possible.  One of the best ways to accomplish this is by asking a loved one if you can be temporarily listed on their policy as you shop around for one of your own.  Taking this step will ensure that you have the coverage you need to legally operate a vehicle.  Additionally, avoiding a coverage gap will make it easier to secure a good policy in the future.

These are some of the steps that you should take to secure coverage after accidentally allowing your auto policy to lapse.  Are you looking for the right auto insurance in Carrollton, Texas?  Then don’t hesitate to contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.