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What Occurs if My Automobile Insurance coverage Lapses and I’m in an Accident


Everyone knows how necessary it’s to have automobile insurance coverage protection if you’re out on the street. Not solely is it unlawful to drive with out insurance coverage, however when you get into an auto accident, you may be personally accountable for damages. Even when you get into an accident that was not your fault, when you don’t have insurance coverage, buying compensation might be fairly tough.

In case your insurance coverage coverage lapses at any cut-off date and also you drive with out protection it might result in hefty fines, jail time, different authorized bother, and better insurance coverage premiums. Insurance coverage firms may take into account you a high-risk driver, which not solely raises charges however may go away you required to acquire SR-22 insurance coverage.

Whereas there’s a grace interval for many insurance coverage insurance policies in case you miss a cost, and state legal guidelines require firms to inform purchasers earlier than canceling insurance policies, you have to pay your insurance coverage invoice earlier than the allotted grace interval is over as a way to keep away from a lapse in automobile insurance coverage protection.

Getting in A Automobile Accident With No Insurance coverage

If you’re concerned in a automobile accident you’re not at fault for, however insurance coverage lapsed, this might go away you financially accountable for all damages and accidents associated to the accident. If the automobile accident was not your fault then you’ll seemingly obtain a payout from the opposite driver’s insurance coverage firm. Nonetheless, most uninsured drivers are assumed to be the accountable occasion when concerned in collisions.

Moreover, some states restrict the quantity and/or sort of compensation you possibly can obtain after an accident when you had been driving uninsured, even when the automobile accident wasn’t your fault.

What to Do When Your Insurance coverage Lapsed – Automobile Accident Harm Management

In case your insurance coverage protection lapsed and also you had been concerned in a automobile accident, take time to handle the problem and comply with the steps under.

  • Take into account Contacting A Certified Automobile Accident Lawyer
  • Contact Your Insurance coverage Firm
  • Reinstate Your Insurance coverage Coverage if Potential
  • Search for A New Insurance coverage Firm if Your Coverage will not be Reinstated or Your Insurance coverage Charges Bounce

Name Correct Auto Insurance coverage Immediately

In the event you had been concerned in a automobile accident with no insurance coverage, it’s usually not straightforward to keep away from the ensuing bills and authorized charges. Nonetheless, it’s attainable to keep away from the identical state of affairs occurring sooner or later.

Contact Correct Auto Insurance coverage right now and speak to certainly one of our workforce members about our low cost automobile insurance coverage in Illinois and throughout the nation. Whether or not you might have below-average credit, a poor driving historical past, otherwise you’re required to hold SR-22, we might help by providing insurance policies you possibly can afford that may defend you on the street.

Correct Auto Insurance coverage is right here for all of your insurance coverage wants, from auto and motorbike protection, to low cost rideshare insurance coverage Contact us right now to get an prompt quote!



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