Your Insurance Lapsed and Our Office is Closed: Here are some resources

Insurance serves as a crucial financial safety net against unforeseen events. However, lapses can occur due to missed payments, financial changes, or human error. If this happens, immediate action is essential to minimize risks and financial setbacks. Here’s a guide on what to do when your insurance lapses.

Understanding an Insurance Lapse

When an insurance policy lapses, it means the policy is no longer active because the premium was not paid. During this period, you are not covered, and any claims made will not be honored by the insurance company. This can affect various types of policies, including auto, home, umbrella, motorcycle, boat, and life insurance.

Immediate Steps to Take

1. Contact Your Insurance Provider

If you realize your insurance has lapsed, immediately contact your insurance carrier. We have provided a list of contact numbers for various carriers - Click Here. Explain your situation and ask about reinstating your policy. Some insurers may allow reinstatement if you pay the overdue premium within a specified timeframe. 

2. Avoid a Loss

Without active insurance, you won’t be covered for any incidents that occur. If your auto insurance has lapsed, avoid driving until you have secured new coverage.

We understand that an insurance lapse can be stressful. By taking immediate action and using the resources linked in this article, you can effectively navigate the situation. If you need assistance, our team is here to help. Submit the form here if you’d like one of our team members to reach out or follow up with you during normal business hours.