Can You Drive If Your Car Insurance Has Lapsed?

Life happens. Maybe you forgot to make a payment, switched bank accounts, or simply overlooked your renewal notice. Whatever the reason, allowing your auto insurance to lapse can lead to serious consequences especially if you continue driving.

What Is an Insurance Lapse?

An insurance lapse occurs when your policy ends because it wasn’t renewed or a payment wasn’t made on time. Even if your coverage is only inactive for a day, you may no longer be protected if you’re involved in an accident.

Can You Drive During a Lapse?

The simple answer is no.

If your insurance has lapsed, you should not drive your vehicle until your coverage is active again. Nevada law requires drivers to maintain continuous auto liability insurance, and driving without it can result in penalties.

What Could Happen If Your Insurance Lapses?

A lapse in coverage can be more expensive than many people realize. Some possible consequences include:

• Fines and DMV penalties
• Suspension of your vehicle registration
• Reinstatement fees
• Higher insurance premiums in the future
• Paying out of pocket for damages if you’re involved in an accident

If you’re at fault in an accident while uninsured, you could be personally responsible for paying for property damage, medical bills, legal expenses, and other costs.

Will Your Insurance Cost More?

In many cases, yes.

Insurance companies often view a lapse in coverage as a higher risk, which may result in increased premiums when you purchase a new policy or reinstate your existing one. The longer the lapse, the greater the potential impact on your rates.

Will You Need an SR-22?

Not necessarily.

An SR-22 is typically required after certain driving violations, such as a DUI, driving without insurance after being cited, or other serious offenses. Simply having a lapse in coverage does not automatically mean you’ll need to file an SR-22, but it can be required depending on your circumstances and Nevada DMV requirements.

How Can You Avoid a Lapse?

The best way to avoid a lapse is to stay ahead of your renewal dates and payment deadlines. Consider these simple tips:

• Sign up for Auto Pay.
• Keep your payment information up to date.
• Watch for renewal notices from your insurance company.
• Contact your insurance agent if you’re having trouble making a payment there may be options available before your policy cancels.

We’re Here to Help

At Accupro Insurance, we understand that life can get hectic. If you’re worried about your policy canceling, think your coverage may have lapsed, or you’re looking for a better rate, reach out to our team. We’ll help you explore your options and get you back on the road with the protection you need.