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The first thing to do when discovering a lapse, it to call the insurance company. In many cases, the driver has simply forgotten to pay the premiums. However, even unintentional, the company will still have to apply some rules and negotiate reinstating coverage. Drivers with just a few days of coverage lapse can be easily reinstated. Furthermore, they can be reinstated by the same carrier. Drivers with longer coverage lapse periods have a different negotiations outcome. It all depends on the carrier and the client’s history. If the policyholder has been a client for a long time, he has been a good driver, the company may decide that they want him back. But in many cases, the driver may have to look for another insurance provider. The reinstatement procedure also differs by carrier. Some companies may renew the current policy, while other companies will ask the driver to reapply for a new, more expensive coverage. Plus other payment conditions, like electronic payment … [Read more...] about Insurance Experts Explain What Do To After A Car Insurance Lapse