What do I do if I forgot to pay my insurance and I was involved in an auto accident? 28 Answers as of July 09, 2013My auto insurance expired and I forgot to pay. My ID card says it is still active. I had a very minor fender bender yet I forgot to pay, and therefore, not covered. Had a very minor fender bender yesterday, did an online accident report. What do I do? The other party is calling my insurance company.
Andrew T. Velonis, P.C. | Andrew Velonis
You may fall within the grace period; the insurance company has to notify you that your bill has not been paid and if you don't pay it by a certain date, then it is cancelled. Try paying it now. If they accept, then the payment might re-activate coverage. Otherwise, the insurance company can return your check. If that happens, you will have to deal with the other motorist directly.
Answer Applies to: New York
Dunnings Law Firm | Steven Dunnings
I'm not sure what you mean by your card says the insurance had not expired as of the date of the accident? With regard to the premium, what period of time was that to cover? Was it to cover the next months after expiration of the current date?
Answer Applies to: Michigan
Ramunno & Ramunno, P.A. | Lawrence A. Ramunno
You may still be able to renew your insurance policy despite the lapse in payment. It will dependon your policy. Also, there are laws that protect you depending on how long you did not pay and any lack of notice from your insurance company. Your agent may be able to help you clean up the lapse. Otherwise, you may have to handle the matter on your own or hire an attorney to handle it for you.
Answer Applies to: Delaware
The Law Office of Eric R. Chandler, P.C., L.L.O. | Eric R. Chandler
First, check to make sure your insurance did lapse. Sometimes, even if you miss a premium, you can still have coverage depending on the time frame and whether or not the insurance company sent proper notice. If you are sure you did not have coverage at the time of the accident contact the other party and offer to make restitution. Have them get some bids for the damage to their vehicle and pay for it. If you were arrested or cited on any criminal charges such as not having insurance, you should probably speak to a criminal lawyer before doing anything.
Answer Applies to: Nebraska
The Farber Law Group | Herbert G. Farber
If your ID card says your insurance card is still in effect, your company may give you a "grace period" even though your payment was late. You should make efforts to reinstate your coverage for now and in the future. However, if you are not covered, you should make arrangements to pay for the damages to the other vehicle if the fault was yours.
Answer Applies to: Washington
Richard E. Lewis, P.S. | Richard Eugene Lewis
It depends on whether your policy has formally lapsed. There is often a grace period that the company will give you. If you pay within that period you are still covered. If the time to pay has expired and there is no grace period or it has expired, you have no coverage and will be responsible for the damage.
Answer Applies to: Washington
Craig Kelley & Faultless | David W. Craig
As you know you are required to carry auto insurance. If you don't and you are in a wreck you will have to pay for the damage and you will probably lose your license. You should call your insurance company to make sure that your policy was actually cancelled. If you were just late then you may still have coverage. The insurance company would have sent you a termination notice.
Answer Applies to: Indiana
Cary J. Wintroub & Associates | Cary J. Wintroub
If you determine that you are fault then take the initiative contact the party directly and offer to pay the damages and cost of rent a car during repair. By doing this you possibly cut off notification to the State which could have license ramifications.
Answer Applies to: Illinois
Ewusiak & Roberts, P.A. | Christopher J. Roberts
The insurance company will let you know if they are denying the claim for non-payment. Based upon what you have indicated, they will likely review the file and determine that coverage had lapsed, and they will so advise the other driver. In that case, the other driver and/or his insurance company may look to you personally to pay for any damages. If it was your fault, then you should consider trying to work something out with them. Good luck.
Answer Applies to: Florida
Bulman Law Associates PLLC Injury Law Firm | Thomas Bulman
It depends on the anti-lapse grace period provisions in your insurance policy. Call your agent or the company and see if they now accept a late premium payment and keep it in force. They probably won't but if they do, thank your lucky stars. A miracle has happened. If they won't, pay the damage claim and learn your lesson. Maybe you should put the insurance on your credit card so you can't not pay.
Answer Applies to: Montana