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?

Answer
“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.”
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Emily Richey
Answered on May 27, 2021
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