General Insurance

If I buy a car from someone who has let their insurance lapse am I responsible for paying for their insurance lapse at all? Or am I responsible for their penalty?

If you are buying a vehicle then you are not required to cover past lapses. You are required to get your own plan upon taking possession. 

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Eligibility

Am I covered for an accident if my policy had lapsed while without an Uber passenger?

Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.

Coverage & Claims

I got in an accident the same day I reinstated my lapsed policy. Will it be covered?

It depends on how the policy was reinstated. If they reinstated with no lapse, then you are free to file a claim.

General Insurance

Do I have to keep car insurance if I don't have a vehicle or title?

You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy.

General Insurance

I had an accidental ten day lapse between insurance carriers. How long will I be penalized for lapse?

You will have to have had your car insurance for a continuous six months in order to cease being penalized with a higher rate and get credit for having insurance — which should help your rate come down. See our guide to lapses in coverage to understand how and why a lapse in coverage impacts your premium.

Coverage & Claims

Do I need to maintain an SR-22 even if I'm outside the United States for a few months?

Hello, If you continue to pay your insurance premium, your insurance and SR-22 will not be in jeopardy because you are abroad. However, if you don't pay your bill and let your policy expire, your coverage will be cancelled along with with your SR-22.

Eligibility

Will I be able to get car insurance with the same company I canceled with?

Most companies will allow you to get insurance again even if you have canceled a policy with them in the past. Keep in mind that having continuous insurance coverage gives you a better rate so the price will likely be higher when you restart your insurance policy, and certain companies won't insure you if you have a lapse in coverage.

Eligibility

If my insurance company back pays upon cancellation will it look like a gap in my coverage?

Your new insurance company will not make you back pay when you start your policy. However, having a lapse in coverage does increase the rates.

General Insurance

What caused my premium to increase?

Having a lapse in coverage and an accident will likely cause a high increase in your premium. Once you've had insurance again for six months, without a lapse, your rates will start to get better.

General Insurance

Car insurance rate went up after leaving the country

One of the big rating factors companies look at is whether or not you are currently insured and have been for the past six months. When you canceled your policy to go out of the country, this caused a lapse in coverage.

Eligibility
General Insurance

What is the discount rate like when you give proof of prior insurance?

In Arizona, the average difference between having no insurance history versus five years of high bodily injury and property damage limits (100/300/100) is about $238. However, I do not have any data for unknown lapses in coverage.
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