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.

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Eligibility

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

Hello, You do not have to have insurance if you do not own or are not driving a car. With that being said, 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 this guide 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

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

I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?

You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.

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. An issue you might run into is that certain companies require 6 months of continuous coverage in order to qualify for their company.

General Insurance

What do I do if my insurance company drops me for non-payment?

Your company may allow you to make up the payment, but there will likely be some type of fee involved with reinstating your policy because of the lapse in coverage. Unfortunately in most states, insurance companies aren't legally obligated to offer a grace period so that would be up to your specific carrier.

General Insurance

If my son is without insurance and hit by another driver, will their insurance cover his damage?

If the other driver is 100% at fault then your son's insurance status shouldn't impact the results of the claim. Ultimately the other driver's insurance company will determine fault based on the details that are provided to them so his best bet would be to contact that company as soon as possible to begin the process.
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