An insurance lapse is a serious issue with possible legal ramifications. Learn more about insurance lapses and how you can avoid them.

1. What is an Insurance Lapse?
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2. Policy Payments and Insurance Lapse
 If you miss an insurance payment, and you are not protected
by a grace period, you will have a lapse in coverage
 During a lapse, you have no access to insurance benefits.
 Experiencing a lapse in coverage for auto insurance is a cause
for serious concern because of the consequences involved.
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3. Potential Penalties
Although you may try to reduce expenses by neglecting premium
payments or cancelling your auto insurance altogether, doing so
could result in the following penalties:
 Legal consequences
 Suspension of driver’s license
 Inability to file an insurance claim
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4. Legal Consequences
Every state has laws mandating a minimum amount of auto
insurance coverage. Depending on your state’s laws, you could
face serious legal penalties for failing to carry insurance, such
as:
 fines
 jail time
 vehicle impoundment
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5. Driver’s License Suspension
 When you are unable to produce proof of auto insurance to a
police offer, a common penalty is a license suspension.
 If your driver’s license is suspended, you are not permitted
to drive.
 Driving with a suspended license, you could potentially face
fines and/or jail time.
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6. Inability to File a Claim
 If you get into an auto accident of any kind without insurance, you
will be responsible for 100% of the resulting costs.
 Without auto insurance, you put yourself at risk for great
financial losses.
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7. Avoiding Insurance Lapses
 You can avoid a lapse in insurance by always paying your premium,
in full, on time.
 At PoliSeek, we research a variety of insurance discounts that
you’re eligible for.
 This saves you money and gets you a manageable insurance
premium.
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8. PoliSeek
Disclaimer: This content is offered for educational purposes only and does
not represent contractual agreements. The definitions, terms and coverages
in a given policy may be different than those suggested here and such policy
will be governed by the language contained therein. No warranty or
appropriateness for a specific purpose is expressed or implied.
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9. PoliSeek
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