Automobile Insurance Lapse Ramapo, New York NY

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Reader’s Question:

Hi I’m Diane from Ramapo, New York. Can anyone tell me what would happen if my insurance lapses? I have an out of the country trip next week and I may not have time to renew my insurance. Will I still be able to drive my car when I get back?

Diane

Ramapo, NY

Hi Diane. I strongly suggest you find the time to get on the phone with your automobile insurance company in Ramapo, New York. If your insurance is cancelled or lapses, it is the insurance companies’ responsibility to inform the Department of Motor Vehicle of this lapse. This would mean that you are no longer properly insured. You will also receive a notice from the DMV. The state will require you to respond within 10 days of receipt of this letter to show proof that you are still insured.

As you are not properly insured, your registration will be suspended for the same number of days that you are not insured properly. Actually, if you strictly follow the law, you should also surrender your license plates to avoid your registration being suspended or revoked. It will be more of a hassle trying to get this reinstated. If you get caught driving illegally, you may be required to get an SR-22. If you can’t pick up the phone right now, why don’t you go online and check out the websites that offer free quotes for automotive insurance? I see a lot out there these days and with a few clicks and keystrokes you will avoid a lot of inconvenience that could be brought about by a lapsed insurance policy.

 

Tags: auto insurance lapse, sr22 insurance

Auto Insurance Non Owners Policy

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Reader’s Question:

Is there an age limit when applying for an sr22 non owners policy?

Sophia

Baltimore, MD

 

Insurance carriers differ on their guidelines for non-owners insurance so some providers might have age restrictions while other insurers will not. You need to comparison shop to seek the insurance company that is right for your needs.

If you are a teen and living at home with your parents or relatives usually it is easier and more affordable to have you place onto their current auto insurance policy. If that is not possible and if you do not own a car but are licensed and occasionally operate a vehicle, non owners is a type of policy that might be best for you. It is important that you inquire when you shop for this car insurance, if you will be covered for vehicles owned by members of the same household since some insurance carriers do not permit this.

Non Owners Car Insurance

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Reader’s Question:

If I don’t have auto insurance at this time because I do not own a vehicle, when I purchase a vehicle can I get insurance in Florida?

Henry

Jacksonville, Florida (FL)

Yes, if you have a valid driver’s license you should be able to buy insurance for a vehicle when you do purchase a new or used car.

If you would like to begin an insurance policy before owning a vehicle, to get a car insurance history started for yourself and cover you when operating other people’s vehicles until you get your own, then you can obtain a non-owner’s policy now. There is no reason to buy a non-owners policy unless you have a specific need to be covered when you don’t own a vehicle. Typically, the reason for this is because you need to satisfy state requirements or you borrow and/or rent other cars often.

Non-owners insurance is coverage to provide a motorist liability protection for when they are at fault in an accident but do not own a car. Non-owners policies can typically include liability, uninsured/underinsured motorist coverages and medical payments,.