By Sharon Weeks


Your car protection may lapse if you fail to meet some of the state coverage limits. The lapse period begins from the time you stop your coverage till you get it reinstated. You will need to submit the plates to your car after you move to a different state and if you prove it is not necessary to get a car insurance coverage if your vehicle has been repossessed. An auto insurance katy tx can lapse due to late premium payments, failure to renew your plan and if you violate traffic rules.

If your assurance company refuses to cover you, ensure that you switch to another company before the coverage from your insurer gets old. There are some risks if your plan lapses. Some of the common penalties in Texas include a fine to get reinstated, impoundment of your vehicle, filing the SR-22 and a holdup of your driving permit.

Do not risk driving an uninsured vehicle because you may face: heavy fines, an increase in your premiums and suspension of your license. In case you cause an accident while driving an uninsured vehicle, all financial obligations for injuries and damages are shouldered to you. Without a car protection plan, such an experience can be devastating and strain you financially.

A lapse in your vehicle cover can cause future complications. You will have a difficult time in getting an assurance company to cover your car and be classified as a high-risk car driver. If you are classified as a high-risk car driver, you cannot receive standard rates from the local insurance companies.

You will find it difficult to find an insurance company when you have a record of driving poorly. However, if your application is rejected by two insuring companies in city Katy, TX, you can get your cover from the state Automobile Insurance Plan Association. You can qualify if you are residing in the state of Texas, possess a valid driving license and after you prove that two vehicle protection companies rejected an application from you in a span of sixty days.

The Automobile Association has a couple of benefits. It covers for your minimum liability, protects you from personal injury and covers you from underinsured or uninsured motorists. Statistics indicates that more than 20% of drivers in Texas are underinsured or uninsured.

If you are insured by TAIPA for more than three years, your old vehicle coverage company must remove you from the program and insure you. However, you only qualify in case you have not violated any traffic laws or caused a car accident. After your insuring company accepts your application, you will receive low and standard rates.

Avoid a vehicle protection lapse since it has a bad reflection on you. All assurance companies base their dividends from your apparent responsibility and risks. You can avoid a lapse by surrendering your repossessed car number plates, responding to queries brought forward by your insurer in time, and ensuring that your license information and registration are up-to-date.




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