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.
Free Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Nov 15, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
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.