Discovering that your auto insurance has lapsed can be a stressful experience. It might happen in the middle of the night, through a serious notification in the mailbox, or while glancing at your calendar on the kitchen fridge. Whether it’s due to forgetting to pay a bill, changing banks, or missing a deadline, the consequences can be significant.
Driving without insurance is illegal in Arizona, and even a brief lapse in coverage can lead to serious problems if you’re involved in an accident—issues you’ll want to avoid at all costs. Fortunately, reinstating your auto insurance is not only possible but often easier than you might expect.
Contact Your Insurance Company Immediately
The first step is to contact your insurance provider at The Insurance House, serving Tucson, AZ, as soon as possible. If the lapse has only been a few days, many companies will allow you to reinstate your policy with minimal hassle. You’ll likely need to pay any missed premiums, and late fees may also be incurred. Additionally, you may need to sign a form confirming that no incidents occurred during the uninsured period.
Prepare for Additional Requirements
If your policy has been inactive for an extended period, your insurer may treat it as a new application. This could require you to provide updated information about your vehicle or driving history, even if nothing has changed.
Do Not Drive Until Coverage Is Restored
While it may be tempting to use your car for errands or commuting, avoid driving until your insurance is reinstated. Driving without insurance is not worth the risk. In Arizona, you could face fines, license suspension, or worse. If you’re involved in an accident, you would be financially responsible for any damages.
If your auto insurance has lapsed, don’t delay—contact your agent at The Insurance House, serving Tucson, AZ, to get back on track with confidence.
