What Happens When Your Auto Insurance Lapses, and How to Prevent It 

Keeping your auto insurance active is one practical way to financially protect yourself and stay in compliance with state law. Even so, payments can be missed, and a lapse can happen faster than most drivers expect.

What Is an Auto Insurance Lapse?

A lapse in auto insurance occurs when your coverage ends, either because you missed a payment, canceled your policy or let it expire without renewing. Insurers track this gap, and it may follow you when you shop for a new policy.

Risks and Penalties of a Lapse in Georgia

Driving without insurance violates state law and can lead to real consequences, including:

• Lapse fee: A state lapse fee must be paid within a set window after the state’s notice; if unpaid, vehicle registration may be suspended, and a reinstatement fee may also be required to restore registration.
• Registration suspension: Suspension or revocation of your vehicle registration for failure to maintain continuous liability coverage.
• Higher premiums: Insurers typically view a lapse as a higher-risk indicator, which may increase your premiums when you reapply for coverage.

How to Avoid a Lapse in Coverage

Most lapses are preventable. A few straightforward habits can keep your coverage intact:

• Set up automatic payments
• Update your billing information
• Review your renewal notices
• Contact your agent

Keep Your Coverage Strong With Tidwell and Hilburn Insurance, Inc.

Contact Tidwell and Hilburn Insurance, Inc. today to review your current policy, explore options that fit your situation and confirm your coverage is in place throughout Macon, GA.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.