What happens if I forget to renew my car insurance?

I don't have autopay set up for my car insurance. I think my policy is set to renew soon, but I have to send in the payment. What would happen if I forget to renew my insurance?

Answer
Remembering due dates when bills aren’t on autopay is a hassle. I know I wouldn’t be able to keep track!
If you forget to renew your car insurance, you won’t have coverage. The day that your policy expires is technically your policy renewal date. If you don’t send in your payment before that date, your insurance would lapse and the insurer would cancel your coverage.
A lapse in insurance coverage means you have no insurance coverage. If you drive without car insurance, you risk fines and license suspensions. If you’re in an accident during this time, you’re not covered either.
Yet even if you forget to renew your insurance, you can still reinstate your policy! Most insurance companies will let you reinstate your policy if the payment is only a few days behind.
Call your insurance company to confirm your renewal date. If your policy is still active, consider shopping around before renewing.
Personal finance experts always recommended to comparison shop at policy renewals to ensure you’re getting the best rate. If you want to leave the hard work of gathering quotes to someone else, use Jerry. This app can collect quotes from up to 50 top insurance companies in seconds!
Emily Maracle
Answered on Oct 25, 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.
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