Auto Insurance Lapse Elizabeth, New Jersey NJ
Reader’s Question:
If I am late paying my car insurance in Elizabeth, New Jersey by one week does this mean my insurance has lapsed already?
Bill
Elizabeth, NJ
Generally, yes if you are late paying your car insurance by a week in Elizabeth, New Jersey your insurance has indeed lapsed. Normally there is no any type of grace period with auto insurance so if your payment is not in on time then usually your policy lapses at 12:01 AM on the date stated on your insurance or renewal notice.
Auto insurance companies’ guidelines, with regards to if there is a grace period between a due date and a car insurance policy cancellation. There may be a grace period or a number of days in some states in which the insurance carrier must give you notice of cancellation. In New Jersey if your insurance carrier cancels your auto insurance policy for non-payment you should receive a fifteen day warning notice.
If your car insurance has lapsed then you should try to have it reinstated as soon as possible and not operate while you do not have car insurance in place. Where you are required to auto insurance while your vehicle is registered then normally there are penalties you will receive for an insurance lapse since your insurance company likely already notified the state of the cancellation of your coverages.