What To Do If Your Car Insurance Provider Drops You

Canceled insurance policies can occur for several reasons. Your insurance company has the right to cancel or choose not renew your car insurance policy. Luckily, you have plenty of options available.

The most common reasons for canceled insurance policies are:

  • Non-payment: Some insurance companies have a grace period for monthly payments. If you miss this period, you can reinstate your policy for an additional charge.
  • Too many accidents or traffic violations: Providers can cancel or not renew a car insurance policy if the policyholder has major traffic violations or for filing too many claims within a set amount of time.

It is important to stop driving if you have a canceled insurance policy until you have new coverage.

Don’t drive without car insurance

Driving without car insurance is against the law. If you need to go places, take public transportation or ask a friend for a ride. People caught driving without car insurance are subject to license suspension and several other fines and penalties. The penalties range based on the number of offenses. 

Penalties for driving without car insurance include:

Apply for high-risk car insurance

Drivers can get free car insurance quotes over the phone, online, or in-person and the process is very fast and simple. If were dropped for nonpayment or too many traffic violations or claims, you will be considered a high-risk customer and will more than likely have to pay more money for insurance.

If you received a letter from the Secretary of State requiring you to file an SR22, you can not do this alone. In order to file an SR22, you will need to contact and SR22 provider. They will make out all the required paperwork and send the electronic filing to the Secretary of State’s office.