I’ve been without insurance for a year because my car was in another state. My insurance expired while my vehicle was in one state, and I had to move to another due to a medical condition and ended up flying here. Now my car is being towed back, and I’m wondering if being able to prove the tow from one state to another would help with the insurance fees.
Also, is there a lapse fee I’ll have to pay no matter how long I was uninsured? Am I going to face extreme charges because I didn’t have insurance for that year?
It sounds like you’re dealing with a complicated situation! When it comes to proving your car was being towed from one state to another, it’s possible that having documentation (like a towing receipt or any communication with the towing company) could be beneficial. It’s worth bringing this information to your insurance company, as it might help explain the lapse in coverage.
Regarding the lapse fee, insurance companies typically assess a penalty for any gap in coverage, but the specifics can vary by insurer and state regulations. Some companies might have set fees for lapses regardless of duration, while others may consider the length of the lapse. It’s best to contact your insurance provider directly to understand their policies and any potential fees you might incur.
Moving forward, you might want to look into your state’s insurance requirements, as they can differ. If you find the discussions with your current insurer overwhelming, it could be helpful to shop around for quotes from other companies to see if you can find a better deal or a more understanding policy regarding lapses. Good luck!