If your auto insurance lapses, you’re not alone—it happens more often than people like to admit and probably more often than you might think. Still, in New Jersey, driving without insurance is a serious issue—not something to be taken lightly—that can lead to significant problems if not addressed promptly. Knowing what action to take immediately can help you avoid fines, legal trouble, and more significant headaches down the road. Here’s what to do if your auto insurance lapses.
Get in Touch With Your Insurance Company
Things happen, and sometimes people forget to pay a bill. The moment you realize your coverage has lapsed, call your insurance agent at E.S.T.I.R. Inc., serving Bloomfield, NJ. Some policies have a short grace period that allows you to catch up on a missed payment and keep your coverage without interruption. If that window has already closed, your agent can still help you start a new policy so you’re not driving uninsured.
Be Honest About Your Situation
Your insurer might ask you to sign a no-loss statement. This document confirms that you didn’t have any accidents or claims during the time your policy was inactive. It’s crucial to be truthful—signing it when something did happen could be considered insurance fraud. If there was an incident, inform your agent. They’ll help you figure out the next steps.
Fix the Lapse Quickly
Addressing a lapse promptly ensures you’re legally covered to drive in New Jersey and reduces the likelihood of costly penalties. It also protects your finances if an accident occurs while you’re uninsured.
Once your coverage is reinstated, consider setting up automatic payments or calendar reminders to keep your policy active and maintain your peace of mind. Contact your insurance representative at E.S.T.I.R. Inc., serving Bloomfield, NJ, to learn more and ensure your auto insurance coverage stays uninterrupted.
