If I miss the renewal of my car insurance and have an accident, do I have to pay for everything myself?

I missed my car insurance renewal by one day. Right after, I got into an accident where I'm at fault. Am I still responsible for the costs?

“Generally speaking, if you miss your renewal and don’t pay for another six or 12 months of coverage, then your policy has expired and you don’t have coverage. Unfortunately, this means you’ll likely be financially responsible for any accident-related damages and injuries.
Having said that, some insurance companies do offer a grace period after a missed renewal. You should contact your car insurance company or agent to verify whether there was a lapse in coverage and get their take on your situation.”
Emily Richey
Answered on May 27, 2021

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free