What can you do if your car insurer cancels your coverage?

What to do if your car insurance is canceled is find new coverage as soon as possible. It is illegal to drive without insurance, so start comparing quotes here for free with our comparison tool below. If your car insurer cancels your coverage, you can contact your provider immediately to find out why. Typically you will have 30-40 days before your policy is canceled. In that time you can negotiate with your current provider or find coverage with someone else.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 15, 2020

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Having your policy canceled is not the end of the world, but it can create problems. You’ll need to find out why your policy was canceled, and if you cannot get it reinstated then you will need to shop for a new insurance company. You may find out that you can reduce your premiums by using a different company, turning your policy being canceled into an unexpected benefit.

What to Do if Your Car Insurane is Canceled:

The first thing to do is to contact your insurance company and find out why the policy is being canceled. This is an important step, because you probably only have 30 to 45 days notice before the policy coverage ends, and you are legally obligated to carry car insurance.

Once you know why the policy is being canceled, you have the option of trying to negotiate with the insurance company or seek coverage from another carrier.

If you policy was canceled due to a missed payment, you can usually make the payments necessary to bring the insurance up to date and get your coverage restored. If the cancellation is due to another reason, your insurance company will be able to tell you what you can do, if anything, to reinstate your policy. Once you have met their requirements, your coverage will continue as it was before. If you are being canceled due to too many points or claims, you may have to purchase coverage elsewhere.

Get car insurance quotes online for the best coverage with the lowest rates. Each insurance company is different, and each one offers a different set of discounts. Find out which ones you are qualified for, and determine what amount and type of coverage works best for you. Once you have chosen a company, make sure that they will notify the DMV of your new coverage. If they do not, you will have to do so yourself to be certain that you do not suffer any additional inconveniences.

In some cases, your risk to insure will be too high for traditional coverage. This does not mean you cannot get insurance, it means that you cannot purchase coverage through traditional sources. Instead, you will have to buy your car insurance from a high risk insurer. In this situation, you will have to pay higher premiums, but you will at
least have the necessary insurance to drive your car.

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