Does expired car insurance still cover you?
My insurance expired yesterday. Would my car still be protected? Am I still able to drive?
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Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“If your car insurance expires, you no longer have insurance coverage.
In most states, this means it is illegal for you to drive your vehicle because you do not meet the minimum required insurance.
Even if your insurance expired a day ago, your vehicle would not be protected. Once your contract ends with your insurance company, they have no legal obligation to you. You’re no longer paying them for protection.
Most insurance companies also aren’t able to back date policies. If you let your insurance lapse and get into an accident during that time, you won’t be covered even if you reinstate your policy.
If you’re concerned that you might forget to renew your insurance, you should consider setting up automatic payments. This will automatically renew your policy at the end of the term. Should you decide to switch insurance companies, you still have the ability to cancel as well.”
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