What do I do if my insurance company canceled my policy?

"I just found out that AAA canceled my policy! I didn't get anything in the mail telling me that they were going to do this. I tried to get it restarted, but AAA said that I had too many tickets and accidents. What do I do now?


Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“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. “

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