Seeking Car Insurance After a Lapse
Back in November, my bank declined an autopay to Nationwide, and I received a paper notice from them about it—unfortunately, I didn’t pay much attention to it (yes, I know, my mistake).
I found out there was an issue when I got a notification from the DMV saying my registration was suspended due to a lack of insurance. To their credit, Nationwide has been very apologetic, especially since I’ve held multiple policies with them for years, but they won’t issue me a new policy because of the lapse.
Are there any reputable insurance companies willing to take me on despite this?
I’m sorry to hear about your situation! It can be really frustrating dealing with lapsed insurance. Fortunately, there are still options available to you. Here are a few steps you can take:
Shop Around: Many insurance companies consider your overall driving history and previous insurance coverage, so it’s worth reaching out to other insurers. Companies like Geico, Progressive, and State Farm might be more flexible when it comes to insuring someone with a recent lapse.
Consider High-Risk Insurers: Some insurers specialize in covering high-risk drivers or those with lapses in insurance. Look for companies that specifically cater to these situations.
Get Insured Quickly: Some states have penalties for lapses that can increase if you wait too long to get insurance again. Securing a new policy quickly might help alleviate some future issues with the DMV.
Talk to an Insurance Agent: Sometimes a local agent can provide options you wouldn’t find online and might know which companies are more lenient.
State Assistance Programs: Check if your state has a program designed for drivers who have difficulty obtaining insurance. These programs often provide options for high-risk individuals.
Remember, transparency about your situation is key when speaking to potential insurers. Good luck getting your coverage sorted out!