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Georgia Auto Lapsed Insurance Atlanta Accident Lawyer
Georgia law requires every motorist to have valid auto insurance. If you drive a vehicle without valid, you will be breaking the law.
If you are involved in an auto accident with lapsed insurance, you may be in serious trouble. If your auto insurance has lapsed and you are involved in an accident, consult with an experienced accident lawyer immediately. If your auto insurance policy has lapsed it means that you have missed paying the premium or renewal amount and so you are no longer covered by the insurance. Generally the insurance company will send an intimation letter to you notifying you about the payment and the date within which you must make the payment. You will also be informed that in the event the insurance company does not receive the payment, the policy will lapse and you will not longer enjoy the insurance coverage.
Generally most insurance companies allow for a grace period. So even if the last date of payment is over, your auto insurance policy will continue to remain valid during the grace period. This grace period will vary from company to company. If you make payment within the grace period, the insurance policy will continue to remain in force. Consult with your insurance company. Don’t take it for granted that they allow a grace period for payment. Some insurance companies do not have a race period for payments. If your insurance company does not have a grace period, your auto insurance policy will lapse if you do not make the payment in time.
If you auto insurance policy has lapsed, then in the event of an accident, you will be personally liable for any damages. You auto insurance company will have no obligation to make the payment. You will have to pay from your own pocket for the damages you suffer and also for the damages you cause.
If you are injured or your vehicle is damaged in an accident caused by another driver, then that driver’s insurance company will pay the damages. You can seek damages from the other driver even if your auto insurance policy has lapsed. Consult with an experienced auto accident lawyer if you are involved in an accident. The lawyer can review your case and advise you on your options. Some states have severe penalties for driving with lapsed insurance and your car can be impounded or you could be sent to jail if your auto insurance policy has lapsed and you are involved in an accident.
If you auto insurance policy has lapsed, you have two options. One is to contact you insurance company, pay a fine and reinstate your policy. If your policy has a grace period, all you need to do is just pay the amount. No need to pay a fine. Alternatively you can buy a new insurance policy. Once you reinstate your insurance policy, it will be valid from the date on which you make the payment and not from the date on which you had to make the payment. So if you are involved in an accident before you actually make the payment, you will be liable for the damages.