Hello .., this is the second article
as the continuation of previously about lapse in car insurance.
What Happens if Car Insurance Lapses
The
scariest thing that you could have happened to you is your insurance lapse, and
you don't know about it and then they turn around and you get an accident,
that's probably the worst thing because now you are completely responsible for
that entire accident. You're a hundred percent out of pocket that could cost
you everything. If you want to know how to avoid this or prevent this in the
future, read this article until finish.
Here is any
changes that have happened up the rate went up for the rate went down it
usually goes up, but the rate went up fifty dollars every month so with every
six months. So it's going to cost you nine dollars or whatever that extra cost
is a month.
There's a
lot of penalties. For example in Florida, certain states they'll revoke your
license because the insurance companies tied to the DMV. They communicate. So
when you don't have insurance are going to say to do he doesn't have insurance
and they're going to help send a letter out or notify this customer. They've
got 30 days to get insurance otherwise revoking your license, one of the worst
phone calls that I do get is somebody that didn't realize their insurance at
last they didn't notice.
The
notification in the mail that they're insured they had 30 days to get their
insurance back and then they get pulled over. They lost their license right
then and there or they find out that their licenses already revoked most police
officers, that I've talked to are pretty lean in that situation. If you're not
a typical person has normal tickets or other suspensions and things like that,
they're typically going to give you a warning but they don't have to.
Some of
them might give you a driving without insurance and that is a major violation
with insurance so your rate just keeps climbing every time you get these
tickets. You gotta know ensure collapse, so now you're a high risk or higher
risk because you have made the payment. You also got a driving while suspended
and you have a license suspension. If you get your license back you have a
license reinstatement. You've now got four tickets on your license, the
reinstatement is not that big of a deal.
Some states
don't even count or care about it, so don't worry about that part but the
license suspension is a major violation. Driving without insurance is a major
violation the not having prior insurance isn't violation but it is a huge.
Huge
discount on insurance if it's not the most cost saving. Thing on insurance it's
in the top three the difference between having insurance and not having
insurance. If you're not more than six months is still a deal. So if you have
insurance today and you've only been with the company. Just bought a car last
week you've only had a week the insurance and you find another company to go to
you will get a better discount, because you even though, you've been with them
for a week you'll still have prior insurance. So that will still lower the risk
of that company if you don't have insurance get the first thing you can find.
If it's
affordable get it and then spend your time shopping around because now you at
least one. You're not going to lose your license if you haven't already, but
you're able to drive in 3. When you're calling these companies you can
confidently say; "I have insurance,I've only had it for about a
week". They'll know, "okay we're not going to give you that six-month
discount but we will give you a discount because you have you've taken the
steps you're being responsible and you're taking that next step to get your
insurance".
How to Get Car Insurance After Lapse
If you
can't afford it or you're not going to drive. There are several steps you have
to take one. You have to call the DMV make sure that they haven't suspend your
license. That's always a positive. You need to take the plate off of the car.
The license plate take it off the car and return it to the state or you need to
take off the tag so your tags and your registration. You need to call the DMV
and let them know that you need to turn in or cancel those two things. If you
don't, and they get notified that there is no insurance. Whether you knew it or
not they're going to suspend your license in most states.
The
negative to that is if you think you're going to drive soon. You're going to
have to repay to get your registration and all that back. So those few hundred
dollars that you would normally pay, to get that all you're gonna have to pay
that again to get that back. It might make more sense to keep a basic policy,
than it is to turn everything in for a month ourselves.
Please, continue reading to nextarticle.
Life for giving.
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