Depending on the state, you'll normally have 10 to 20 days. Your company will notify you by mail or email before canceling your coverage. Auto insurance companies are required by state law to give notice before canceling their policy. Insurers can cancel policies or choose not to renew them at the end of the policy term.
Non-renewal can occur after several accidents or after filing too many claims. At the same time, more immediate cancellations can be due to serious problems, such as loss of driving privileges or insurance fraud. Fortunately, many insurers are still accepting customers who have had their policy canceled or not renewed, but who are prepared to pay a higher rate. Call your old insurance company and find out if your coverage has expired and, if so, how long you have been without car insurance coverage.
You should keep your auto insurance documents and policies while your policy is active and until all outstanding claims are resolved. Auto insurance companies often offer a grace period for late car insurance payments, so a payment that's late by a few days shouldn't be a problem. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired. In addition, having a lapse in auto insurance coverage between policies can mean more difficulty getting a new policy and higher rates when you do.
If your car insurance company suspended you, it's still possible to get some type of insurance even after a serious violation, such as a DUI. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Progressive offers insurance after a DUI if that person has a valid license and can drive legally. The most common reasons why auto insurance isn't renewed vary by state and insurer and include multiple accidents and too many insurance claims.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. Most car insurance policies last six months to a year, and if you don't have any outstanding claims, you can discard your documents when the policy ends and get a new one. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident.