For starters you are no longer leagally allowed to drive. Second is that depending on the state you live in you may now be considered high risk or even uninsurable by many companies regardless of your driving record. You may also face suspension of your drivers license if the validity of your license is dependent on an SR-22.
Auto insurance.
Your insurance is either valid on the day of your accident or it isn't. If you are asking what happens if the policy was valid on the day of the accident but lapses before the claim is settled then the coverage that was in effect the day of the accident still applies. If your policy was not in effect the day of the accident then coverage will not apply.
Auto insurance companies do not require drivers to file an SR-22, however, the DMV does. If you have been caught of driving without insurance or you have been convicted of a DUI you may be required to file an SR-22 with the DMV to prove you maintain continuous auto insurance coverage. SR-22's are proof of financially responsibility. By filing this form, your insurance company will notify the DMV when your policy lapses or is cancelled.
you die
ZERO. You are required BY LAW to have insurance at ALL times in the state of California. There are absolutely NO grace periods for insurance lapses or expirations of any kind. This is why all insurance policies expire on an EXACT date and time.
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 lapses
You should refer to your North Carolina states regulations or contact your local NC DMV office.
you get money
Most states require insurance. You should think of auto insurance as part of the cost of owning a car... if you can't afford the insurance, you can't afford the car and shouldn't have one.
You get ticketed and fined, regardless of whether you were at fault or not, Auto Insurance is required by law in the state of Louisiana. You get ticketed and fined, regardless of whether you were at fault or not, Auto Insurance is required by law in the state of Louisiana.
nothing, just illegal to drive with out it.