Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer

UPDATED: Oct 1, 2020

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A lapse is car insurance can be a serious issue as it leaves you exposed to certain risks as well as penalties. If this happens to you, then you will need to take action as soon as possible.

What is a Lapse in Car Insurance?

A lapse or gap in car insurance coverage is the period that exists when you old car insurance runs out and you have not renewed or have yet to purchase new car insurance to cover your vehicle.

The insurance industry considers a lapse to include the following;

  • Until you get new car insurance
  • Your vehicle registration expires
  • You surrender the vehicle plates
  • You’ve purchased at least minimum coverage in another state if you have moved
  • Provide proof that your vehicle no longer needs car insurance

The most common reasons for a lapse in insurance is not paying your premium on time or failing to renew the policy. Another reason is an excessive number of accidents or traffic violations that preclude you from renewing your insurance with the company and having to find another insurer.

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What Happens if Car Insurance Lapse?

Young Lady Worried with Lapsed Policy