“Insurance carriers are required to notify you ahead of time if the policy is being canceled. If you are set up to receive policy information electronically, they probably sent an email instead of a physical letter in the mail.
If you currently have a lapse of coverage, the most important thing to do is to start a new policy right away. By getting car insurance quotes online, you can usually start a policy on the same day.
Some carriers may charge a higher rate because of the lapse; some will not as long as you had continuous coverage for at least six months prior.
Every carrier has its own guidelines about the type of risk it can and can’t cover. Just because a specific carrier won’t restart your policy doesn’t mean that you are uninsurable! There is a policy out there for every type of driver. “