I’ve been without insurance for a year because my car was in a different state. When I relocated, I had a medical issue that required me to fly to my current location. Now, my car is being towed back, and I’m curious if providing proof of the tow from one state to another could help with my insurance fees.
Also, is there a lapse fee for not having insurance for this duration, or will my phone bill skyrocket just because I’ve been uninsured for so long?
It sounds like you’re in a challenging situation with your insurance. To address your questions:
Proving the Tow: If you can provide documentation showing that your car was towed from one state to another, this might help when discussing your situation with your insurance company. They may consider any mitigating circumstances, but it ultimately depends on their policies.
Lapse Fees: Typically, insurance companies may charge a lapse fee for periods without coverage, and the amount can vary by insurer. Some might also have a minimum penalty or rate increase after certain durations without insurance, so it’s a good idea to directly contact your insurance provider to clarify their policies.
Premium Costs: When you go to reinstate your insurance after a lapse, you may face increased rates, especially if the lapse was for an extended period. It’s essential to shop around and compare quotes from different insurers to find the best rate.
It’s best to keep clear communication with your insurance company and be honest about your situation. They should be able to provide you with specific information based on your case. Good luck!