There is no grace period for claims after a lapse in coverage.
The moment your auto insurance "lapses" is the moment you have "No Coverage"
from that moment forward you have no coverage for a claim until you get coverage again.
It depends (as always) on the company and the laws of the State, but usually no more than 60 days.
No. You are not covered in a lapse period. A period of lapse in coverage means " No Coverage ".
You can contact any insurance company of your choice. Some companies will accept you and Some will not due to your lapse in coverage, and now prior claims history. The best option would have been to continue your previous coverage. Many homeowners make this same mistake in letting their policy lapse while a claim is pending. With a lapse in your coverage as well as a claim you will likely be paying more for your policy than you did in the past.
Consider a Life Settlement to see if you qualify. Try selling it before it lapse. Research Life Settlements.
You are responsible for your own medical bills.
A lapse in your auto insurance is a time period for which you had or have no coverage. Either your policy expired and was not renewed on schedule meaning you missed your renewal payment or you missed a monthly payment and the policy was cancelled.
Keep making payments on a car you don't have and learn your lesson about not letting your insurance lapse.
When you don't pay your monthly premium or you don't renew.
One in every 14 of customers with term life-insurance policies stop paying the premiums each year, according to life insurance industry group Limra. For those with permanent policies, which may have a cash value long before the death of the insured, some 25% of policyholders stop making premium payments within the first three years of owning the policies; within 10 years, 40% have let the policies lapse.
(lapse - a discontinuity, a temporary fall to a lower condition, or a general reduction)Example:I experienced a lapse in concentration and did badly on the test.When he lost his bill, he nearly allowed his insurance policy to lapse.The fall of Rome led much of Europe to lapse into feudalism.The entire construction period was recorded using time-lapse photography.
AnswerCan they? Yes. Should they? No.