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General Insurance

I sold my car what do I do with my insurance?

You are not required by law to get insurance if you do not own any vehicles. What your agent is doing is protecting you from a lapse in coverage.

General Insurance

Monetary penalty after not having insurance?

Your insurance history is a rating factor for determining your insurance premium, so yes, there will probably be some monetary impact for this. However, it's unlikely it will be too expensive.

Coverage & Claims
General Insurance

If I have car loan insurance but not an actual insurance policy, will my vehicle be covered if something happens?

It really will depend on what you mean by "car loan" insurance. If your finance company added comprehensive and collision coverage to your monthly car payment because your insurance policy canceled then you'll likely be covered only for the remaining amount on your loan.

General Insurance

What happens if I'm involved in an accident without insurance?

Unfortunately there really isn't much that you can do. Even if the other driver is found to be at fault, without them having insurance your vehicle is pretty unlikely to get fixed unless you pay for the repairs yourself.

Coverage & Claims
Driving History

Can I reinstate a cancelled policy?

It is certainly possible that your insurance company will allow you to reinstate your policy, but there is likely a cut-off date so you should contact them ASAP to inquire about reinstating your coverage. Often times when a policy is cancelled for non-payment, the customer has a grace period to make payment and keep the policy active.
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