What Should You Do After Your Car Insurance is Canceled?
There might come a time when you find your car insurance policy canceled. The carrier may do this for a few reasons – late or missed payments, too many accidents, or a DUI conviction – but regardless, you’re left wondering, “What do I do from here?”
No matter what you do, never get on the road without coverage. All states consider this illegal, and the consequences of being caught have long-term ramifications. So, instead of taking a risk, what can you do?
- Contact Your Agent or Insurance Company for Reinstatement
In this scenario, you’re calling for two reasons: one, to find out why you were dropped, and two, to request if you can begin coverage again.
More often than not, a carrier drops the insured for too many late or missed payments. Should you want to resume coverage, you’ll have you pay back what you owe.
- Get Quotes for Other Coverage
A previous carrier won’t cover you, or you’re looking to go with a different company? Whether you work with an agency, like Ion Insurance, or do the work on your own, start looking around at other policies and ask about quotes to compare your options.
In doing research, be sure to further consider why you were dropped. Was it because of accidents or traffic violations? Make sure to mention and factor in your history through this step.
- Be Prepared to Fill Out an Application – And Do It Quickly
Some states fine drivers for waiting too long in between policies. Be mindful of this notion in your search.
As well, you’ll be expected to fill out at least one application for insurance. Prepare with all necessary information to ensure everything is accurate.
- Address Why Your Policy Was Canceled
Was your last policy canceled because of too many overdue payments? Consider setting up auto-pay with your next carrier. Or, if you were cut because of too many tickets or accidents, take an accredited defensive driving course.
A small percentage of individuals might not know why the insurance company dropped them. In this instance, request your driver’s record from the state insurance department to get a clearer picture.
If you’re starting to shop around or have questions about existing coverage, don’t hesitate to get Ion Insurance involved. For all inquiries, give us a call today at 203.439.2815.
