{"id":161,"date":"2026-07-27T19:33:20","date_gmt":"2026-07-27T19:33:20","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=161"},"modified":"2026-07-27T19:33:30","modified_gmt":"2026-07-27T19:33:30","slug":"auto-insurance-lapse","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/auto-insurance-lapse\/","title":{"rendered":"Car Insurance Lapse: What to Do?\u00a0\u00a0"},"content":{"rendered":"\n<p>It can happen to any driver \u2014 you get&nbsp;busy,&nbsp;something unexpected comes up and \u2014 oops! You forget to pay&nbsp;your&nbsp;<a href=\"https:\/\/www.freeway.com\/auto-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">auto insurance<\/a>. A car insurance lapse is a break in coverage that starts when your premium is not paid on time, and it can quickly lead to bigger problems. What happens if car insurance lapses? The moment you find out that you missed a payment,&nbsp;it\u2019s&nbsp;natural to feel anxious. You might worry about driving illegally, license suspension, penalties from the DMV, higher insurance premiums, or even being unable to find new coverage. These concerns are valid because state laws and insurance industry practices impose&nbsp;serious consequences&nbsp;for lapses in car insurance coverage. But the good news is that in most cases,&nbsp;you\u2019ll&nbsp;be fine if you act quickly and work with knowledgeable insurance agents. There is a clear path to reinstate coverage, reduce the damage, and avoid the most severe penalties.&nbsp;<\/p>\n\n\n\n<p>In most cases, drivers inadvertently allow their policy to lapse \u2014 whether they have a clean record or past tickets, accidents, or gaps in coverage already.&nbsp;Maybe they&nbsp;missed an email or notification letter, or life just got too busy. Most insurance companies understand that things happen and are willing to work with you when you call them and are honest about the situation.&nbsp;<\/p>\n\n\n\n<p>However, no matter the reason, as soon as you know that&nbsp;you\u2019re&nbsp;driving without coverage,&nbsp;it\u2019s&nbsp;important to stop driving and get your vehicle covered as quickly as possible. In&nbsp;nearly every&nbsp;state, driving without insurance is illegal, and being caught without an auto insurance policy can incur heavy fines, points on your license, and even suspension of your license and vehicle registration. If you get into an accident without insurance, you may also face significant financial liability, including paying medical bills and property damage out of pocket. Additionally, you may&nbsp;be required&nbsp;to file an&nbsp;<a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/suspended-drivers-license-you-may-need-an-sr-22\/\" target=\"_blank\" rel=\"noreferrer noopener\">SR<\/a>\u201122 certificate of financial responsibility to regain a suspended license&nbsp;to regain driving privileges. Below,&nbsp;you\u2019ll&nbsp;see what happens when coverage lapses, how to reinstate your policy, how to prevent another lapse, and what to know if an SR\u201122 is involved.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens If Car Insurance Lapses?&nbsp;<\/h2>\n\n\n\n<p>If&nbsp;you\u2019re&nbsp;wondering what happens if car insurance lapses&nbsp;regarding&nbsp;future coverage, one of three things will happen. Overall, the amount of time you go without being&nbsp;covered by a valid car insurance policy will&nbsp;determine&nbsp;your available options. The less time you go without coverage, the better your outcome will be.&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Outcome #1: You reinstate your plan.<\/strong>\u00a0Auto insurance carriers often reinstate drivers who have a\u00a0one\u2011day\u00a0lapse in car insurance or who\u00a0missed\u00a0just a few days due to\u00a0an oversight. Depending on your past payment history, driving record, and\u00a0insurer\u2019s\u00a0policies, you may still be eligible for reinstatement with longer lapses. Many insurers offer grace\u00a0periods\u2014typically ranging from 10 to\u00a030 days\u2014during which you can make\u00a0a late payment\u00a0and\u00a0maintain\u00a0continuous insurance coverage without a lapse officially recorded.\u00a0<\/li>\n\n\n\n<li><strong>Outcome #2:<\/strong>\u00a0<strong>Your insurance provider\u00a0denies you\u00a0any future coverage.<\/strong>\u00a0Insurance providers\u00a0are not required to\u00a0reinstate coverage, and no law mandates they do. Your insurer may decide to deny\u00a0you\u00a0coverage for a variety of reasons. You may have missed their grace period for a lapse in car insurance and are now perceived to be at risk of missing future payments. They could also consider you to be too high of a risk to cover again. This requires you to search for auto insurance coverage elsewhere. This is a situation you want to avoid by keeping a close eye on monthly payments.\u00a0<\/li>\n\n\n\n<li><strong>Outcome #3: Your current provider takes you back\u2014 but raises the premium.<\/strong>\u00a0If your insurance company can take you back but considers you \u201criskier\u201d to cover, they may require you to reapply for a new and more costly plan. In this case,\u00a0it\u2019s\u00a0better to shop around and find a new auto insurance plan from another provider. Compare quotes to get the best deal.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>More often than not,&nbsp;the majority of&nbsp;auto insurance companies understand that an overlooked payment is usually unintentional, and&nbsp;they\u2019ll&nbsp;most likely extend&nbsp;coverage to you after you pay. When&nbsp;it\u2019s&nbsp;easy to get back on board, you have contacted the insurance company within the car insurance lapse grace period. This quick action proves that you are a responsible driver and are set on making things right, which looks good on your insurance profile.&nbsp;<\/p>\n\n\n\n<p>Also, customers who have been insured by the same insurance company for some time and whose driving record is clean will have a far greater chance of being reinstated. So, to keep a good relationship with your auto insurance provider, let your agent know about your intentions to pay as soon as possible.\u00a0<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3.jpg\" alt=\"Overturned vehicle after a crash highlighting the financial risks of an auto insurance lapse.\" class=\"wp-image-13271\" srcset=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3.jpg 1000w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3-300x200.jpg 300w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3-768x512.jpg 768w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3-750x500.jpg 750w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3-294x196.jpg 294w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3-320x213.jpg 320w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-3-285x190.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\">Other Consequences of Letting Car Insurance Lapse&nbsp;<\/h3>\n\n\n\n<p>After you find out that your car insurance&nbsp;lapsed, a few things automatically happen behind the scenes.&nbsp;Generally, the&nbsp;necessary parties get notified about the lapse of coverage, presenting you with some consequences if you&nbsp;don\u2019t&nbsp;act right away. When you find out that your car insurance has lapsed, two immediate facts are true:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Consequence #1:<\/strong>\u00a0You\u2019re\u00a0not covered \u2014 not for any damage, injuries, or deaths you cause. Not only that \u2014\u00a0you\u2019re\u00a0driving illegally and could face major legal consequences, which include court costs and fines, losing your driver\u2019s license, and\u00a0possible jail\u00a0time. These high consequences are associated with driving without auto insurance. This is something you can easily avoid and reverse by getting off the road and calling your auto insurance agent to set things right.\u00a0<\/li>\n\n\n\n<li><strong>Consequence #2:<\/strong>\u00a0Your insurance will notify your state\u2019s Department of Motor Vehicles about your lapse in coverage. Once notified, the DMV will send you a form asking for details about the lapse and require proof of insurance within a stated\u00a0period of time. You either need to work with your former insurance company or search for a new coverage plan. For the best prices, shop around for multiple quotes from different insurance carriers. An independent insurance agent can multitask in this department and free your time. Instead\u00a0of you\u00a0calling multiple carriers, an independent agent can pull quotes from many sources right away.\u00a0<\/li>\n\n\n\n<li><strong>Consequence #3:<\/strong>\u00a0Your license and vehicle registration may be suspended. Many states have laws that require the DMV to suspend your driver\u2019s license and registration if you\u00a0fail to\u00a0provide proof of continuous insurance coverage. This suspension can last until you provide proof of active insurance and pay reinstatement fees. License suspension is a serious offense that can affect your ability to work, commute, and legally drive.\u00a0<\/li>\n\n\n\n<li><strong>Consequence #4:<\/strong>\u00a0Your car insurance premium will\u00a0likely increase. Insurance companies view a lapse in coverage as a sign of higher risk. Even a short lapse can cause your future premiums to rise\u00a0significantly\u2014sometimes by\u00a08% to 35%, depending on the length of the lapse and your insurance history. On average, that can mean about $251 more per year for full coverage and $76 more per year for minimum coverage. A lapse can stay on your insurance record for three to five years, making it harder and more expensive to get affordable coverage.\u00a0<\/li>\n\n\n\n<li><strong>Consequence #5:<\/strong>\u00a0You may lose discounts and coverage options. Many insurers offer discounts for drivers who\u00a0maintain\u00a0continuous insurance coverage and a clean driving record. A coverage lapse can disqualify you from these discounts and reduce your coverage options, forcing you to pay more for less protection.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>While forgetting to pay a common bill can cost you a late fee, letting your auto insurance lapse&nbsp;because of&nbsp;a missed payment can cost you a great deal more than that. Stay on top of your&nbsp;premium\u2019s&nbsp;due&nbsp;date, and&nbsp;make sure&nbsp;you\u2019re&nbsp;getting the best rate on your auto insurance. You may have a generous insurance company that can reinstate your policy even after a significant auto insurance lapse.&nbsp;Or,&nbsp;you may be denied coverage even&nbsp;after just a week of nonpayment. Since the results can vary, be sure to prevent any future lapses in coverage.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Prevent Further Lapses in Coverage&nbsp;<\/h2>\n\n\n\n<p>It\u2019s&nbsp;easier said than done to stay on top of multiple payments that occur on different dates. To prevent any further&nbsp;lapse&nbsp;in insurance coverage, set yourself up for success. This means you should make it as easy as possible to pay your bills without feeling confused, overwhelmed, or burdened. Thankfully, there are many modern solutions to make bill payment easier \u2014 and faster\u2014 than ever.&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Automate everything.<\/strong>\u00a0Make a payment safety net and \u201cset and forget\u201d your insurance payments. This helps you stay on top of the frequent bills and make less frequent bills like property taxes and vehicle registration more noticeable and harder to miss too. It is\u00a0essentially an\u00a0automated \u201cwheel of productivity\u201d that keeps you out of trouble. It also helps if you\u00a0make a plan\u00a0to automate all your other monthly bills, such as your mortgage, rent, and car payment.\u00a0<\/li>\n\n\n\n<li><strong>Conveniently time your insurance payment with the rest of your bills.<\/strong>\u00a0When you time your\u00a0bills to\u00a0land on the same day of the month, payment gets a whole lot easier to remember. For instance, start your electricity, water, internet, and any other recurring bill on the 1st or the 15th of each month. This also makes it easy to pay bills when there are funds in your account. Many banks offer online banking solutions that can directly transfer money from your checking account to your desired\u00a0payee too. Review your\u00a0<strong>payment schedule<\/strong>\u00a0as part of that routine so you do not miss renewal timing.\u00a0<\/li>\n\n\n\n<li><strong>Use credit cards if bank funds are inconsistent.<\/strong>\u00a0Sometimes missed payments come from bounced checks or insufficient bank funds. If your cash flow is irregular, a credit card can help you stay regular.\u00a0It\u2019s\u00a0also possible to set up automated payments through a credit card on the utility company\u2019s website. This\u00a0option\u00a0allows you to stay on top of your bills even if there could be an overdraft in a checking account. If you do not want to miss another car insurance payment, using a credit card can help you be more consistent \u2014\u00a0provided that\u00a0you stay within your credit card limit. If you use this\u00a0option, stay on top of your online banking to make sure you have enough funds in your checking account and can pay down credit card balances. You can also update the\u00a0<strong>bank account<\/strong>\u00a0tied to your policy if your usual payment method changes.\u00a0<\/li>\n\n\n\n<li><strong>Pay your insurance premiums in bulk.<\/strong>\u00a0If you pay the full\u00a0six\u2011month\u00a0quote upfront, you\u00a0don\u2019t\u00a0need to worry about payments for another half a year. This method can also provide\u00a0you\u00a0a discount because\u00a0you\u2019re\u00a0paying in bulk too. Ask\u00a0your insurance provider about the benefits that come with paying your auto insurance quote in full.\u00a0<\/li>\n\n\n\n<li><strong>Lower your payments.<\/strong>\u00a0The less you need to pay, the easier it is to stay consistent. There may be chances for other discounts, which include a good driver\u2019s record, a higher deductible, or installing an\u00a0anti\u2011theft\u00a0device in your vehicle. Making sure that your premium is as low as possible also makes it easier to continue to pay and be on time.\u00a0<\/li>\n\n\n\n<li><strong>Set calendar alerts and payment reminders.<\/strong>\u00a0Many insurers offer payment reminders via email or text. You can also set up calendar alerts on your phone or computer to\u00a0notify you\u00a0several days before your payment is due. Keep track of renewal notices and other\u00a0communication\u00a0from your insurance company so you can make a\u00a0<strong>timely payment<\/strong>\u00a0and\u00a0<strong>avoid gaps<\/strong>\u00a0in coverage. This helps avoid missed payments and coverage\u00a0lapse.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>If you change insurers, make sure the new policy starts the same&nbsp;day&nbsp;the old one ends.&nbsp;<\/p>\n\n\n\n<p>Our final piece of advice is to&nbsp;eliminate&nbsp;any&nbsp;option&nbsp;that involves mailing a check, which can get delayed or lost in the mail. Although this option is available to many insurance providers and utility companies, this form of payment can be unreliable. You may accidentally mail a check a day late, or there could be a delay in mail delivery.&nbsp;<\/p>\n\n\n\n<p>Also, inclement weather can significantly delay traditional mail routes and make you unintentionally late\u00a0in\u00a0your payments. If a check is lost, you\u00a0have to\u00a0also issue a stop payment order for security reasons, which takes up your time. To find out more about auto payments and other ways to stay on top of your policy,\u00a0<a href=\"https:\/\/www.freeway.com\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">contact an auto insurance agent<\/a>\u00a0today.\u00a0<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2.jpg\" alt=\"Driver signing insurance paperwork to reinstate coverage after an auto insurance lapse.\" class=\"wp-image-13270\" srcset=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2.jpg 1000w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2-300x200.jpg 300w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2-768x512.jpg 768w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2-750x500.jpg 750w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2-294x196.jpg 294w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2-320x213.jpg 320w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/01\/FWY-auto-insurance-lapse-2-285x190.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\">How to Reinstate Auto Insurance&nbsp;<\/h2>\n\n\n\n<p>The procedures each auto insurer uses to reinstate a policyholder following a lapse may differ. However, auto insurance companies need to make sure you&nbsp;won\u2019t&nbsp;be&nbsp;a further&nbsp;risk to them. This may look different to each company depending on their policies. For instance, some auto insurance companies may require you to pay your next quote in bulk to ensure they receive the funds.&nbsp;<\/p>\n\n\n\n<p>You may be offered several payment options as a condition for reinstatement. These may include using a credit card, ATM card, or bank account information on&nbsp;file&nbsp;for automatic withdrawal each month to keep your car insurance active so that your past payment oversights&nbsp;don\u2019t&nbsp;occur again. By agreeing to any of these forms of payment,&nbsp;you\u2019re&nbsp;more likely to get your coverage back quickly and&nbsp;eliminate&nbsp;the risk of future lapses \u2014 not to mention, give you peace of mind.&nbsp;<\/p>\n\n\n\n<p>If your auto insurance policy provider decides not to move forward with you, this is not the end of the road. Some insurers still offer coverage after a lapse, and you can easily find an independent insurance agent who can offer you a new set of quotes from other auto insurance providers. From here, you can make an educated choice about which plan provides the best deal for the price and helps you find the cheapest car insurance for your situation.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What About a Lapse in SR\u201122 Insurance?&nbsp;<\/h2>\n\n\n\n<p>A lapse in&nbsp;non\u2011standard&nbsp;insurance is another story due to the already existing SR\u201122 addendum of&nbsp;financial responsibility. Each state has its own restricted license in SR\u201122 insurance laws, and for example California drivers should understand the&nbsp;<a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/sr-insurance-california\/\" target=\"_blank\" rel=\"noreferrer noopener\">average costs of SR<\/a>\u201122 insurance in California.&nbsp;<\/p>\n\n\n\n<p>Generally, any&nbsp;lapse in SR\u201122 insurance makes it necessary for the driver to reapply for a restricted license and refile SR\u201122 insurance with their insurance agent. This is because the insurance agent is&nbsp;obligated&nbsp;by law to notify the state\u2019s DMV about the lapse in coverage. An SR\u201122 lapse can also mark you as a&nbsp;high risk&nbsp;driver. That can lead to higher insurance premiums when you reapply, making it especially important to look for&nbsp;<a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\" target=\"_blank\" rel=\"noreferrer noopener\">cheap SR<\/a>\u201122 insurance options. To make sure you never lapse in your SR\u201122 insurance, set up autopay when you create an SR\u201122 insurance plan or pay your premiums in bulk.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get your car insurance back on track today with Freeway!&nbsp;<\/h2>\n\n\n\n<p>Worry no longer about what happens if car insurance lapses, especially when you can get affordable auto insurance from Freeway Insurance. We offer quality auto insurance to fit your needs and budget \u2014 even if you have a bad driving record. You can request a free auto insurance&nbsp;<a href=\"https:\/\/www.freeway.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">quote online<\/a>, call us&nbsp;at&nbsp;<a href=\"tel:800-777-5620\" target=\"_blank\" rel=\"noreferrer noopener\">800<\/a>\u2011777\u20115620&nbsp;or visit one of&nbsp;our&nbsp;<a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">offices near you<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions&nbsp;about Car Insurance Lapse&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What happens if my car insurance lapses for one day?&nbsp;<\/h3>\n\n\n\n<p>Even a one-day lapse in car insurance can be serious. While some insurers have short grace period policies after&nbsp;non payment, others may cancel more quickly and leave you uninsured right away. If you drive during that one-day lapse, you risk fines, license suspension,&nbsp;and being&nbsp;personally liable for any accident damages.&nbsp;It\u2019s&nbsp;best to avoid any&nbsp;lapse&nbsp;by paying on time or contacting your insurer&nbsp;immediately&nbsp;if you miss a payment, since staying in contact can help&nbsp;maintain&nbsp;continuous coverage.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I reinstate canceled car insurance?&nbsp;<\/h3>\n\n\n\n<p>Yes, many insurance companies allow reinstatement of a canceled policy within a grace period, usually 10 to&nbsp;30 days. Once that grace period ends, a&nbsp;<strong>car insurance lapse occurs<\/strong>, and you may need&nbsp;<strong>new insurance<\/strong>&nbsp;instead of reinstatement.&nbsp;You\u2019ll&nbsp;likely need&nbsp;to pay missed premiums and any reinstatement fees. After the grace period, you may need to apply for a new policy, which could come with higher premiums.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does a lapse in insurance increase rates?&nbsp;<\/h3>\n\n\n\n<p>Yes. Insurance companies view a lapse as a sign of higher risk, so lapses raise rates. Keeping continuous coverage can help preserve discounts and lower future premiums. Even a short lapse can increase your rates by 8% to 35%, depending on your insurance history and state laws.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How long do insurance lapses stay on your record?&nbsp;<\/h3>\n\n\n\n<p>A lapse in insurance can stay on your insurance record for three to five years, affecting your ability to get affordable coverage. How long an&nbsp;<strong>insurance lapse stay<\/strong>s on your record can vary by state and insurer. Some states also keep records of lapses on your driving record, which can&nbsp;impact&nbsp;your license status and insurance premiums, and in some states a lapse can also lead to&nbsp;<strong>registration suspension<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can your license be suspended for no insurance?&nbsp;<\/h3>\n\n\n\n<p>Yes. Most states require you to&nbsp;maintain&nbsp;continuous car insurance coverage. If you are caught driving uninsured or fail to provide proof of insurance after a lapse, your driver&#8217;s license, vehicle registration, and in some states even your license plates can be suspended until you show proof of active insurance and pay reinstatement fees. If you are in a car accident while uninsured, you could also face out-of-pocket costs up to your policy\u2019s former coverage limits.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It can happen to any driver \u2014 you get&nbsp;busy,&nbsp;something unexpected comes up and \u2014 oops! You forget to pay&nbsp;your&nbsp;auto insurance. A car insurance lapse is a break in coverage that starts when your premium is not paid on time, and it can quickly lead to bigger problems. What happens if car insurance lapses? The moment [&hellip;]<\/p>\n","protected":false},"author":1002635,"featured_media":13269,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[83,18,84,85],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/161"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002635"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=161"}],"version-history":[{"count":15,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/161\/revisions"}],"predecessor-version":[{"id":13273,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/161\/revisions\/13273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media\/13269"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=161"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=161"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}