can i file a claim if my insurance lapses

The short answer is, no.

The whole point of you purchasing auto, life or home insurance is to provide you with coverage during the period of time in which you are making payments. When you allows your policy to lapse, then you are not covered by insurance." The insurance company has no liability with respect to anything that happens to you. It would be unfair to other policy-holders to cover those who allowed their policies to lapse.

Most states require you to purchase insurance for your vehicle. Some banks will require home insurance for those with "sub-prime credit ratings." There are very stiff penalties for driving without insurance. This is partially due to the risks of "uninsured" or "under-insured" drivers damaging bystanders, passengers or other drivers. If the driver does not have "valid" insurance, then the government or victim may need to pay for the damage themselves.

When you try to transfer a car title, you will also be required to show "proof of insurance." The government does understand that insurance policies may take time to renew. Get a receipt from your insurance provider showing that you have re-applied for coverage. You might be able to use this while the formal renewal process is taking place.

You need to keep track of when your insurance coverage lapses. Start the process in plenty of time before it expires, so you won't be penalized.

Insurance companies keep close track of all of your actions with respect to policies. If you allow your policy to lapse, then they will make a record of it. It might be very difficult to get a policy from a different insurance company. The insurance industry will share records on individuals who they deem to be irresponsible.""