The world of auto insurance is tricky enough as it is. Trying to navigate the world of car insurance may be difficult, especially if you do not know why you have been dropped from your auto insurance. These are common reasons why people find themselves suddenly without car insurance:
1. You have failed to pay your premium.
Just as with any service, you can expect to lose your insurance if you do not pay your bill. In some cases, paying the bill simply slips your mind. Sometimes simply paying up the bill is enough to get back on your insurance plan.
2. You have changed the value or functioning of your car.
If you have modified your car recently, you may find yourself in a predicament with your insurance. Your car may not be determined to be as safe as it once was, or your insurance may figure that your car has become a liability. It is always a good idea to check with your insurance company before making modifications to your car.
3. Your driver's license has been suspended or revoked.
You may be facing moving violations, like DUIs or DWIs, that have resulted in the loss of your driving privileges. If your auto insurance company determines that you are too expensive to insure, they can opt to drop you. If you lose your license, your company may determine that insuring you is a moot point.
4. You have health issues.
You may not realize it, but you could have your driver's license taken away if you have certain health issues that make it unsafe for you to drive. Epilepsy is one condition that may result in loss of car insurance. A doctor can file a document with the DMV following your diagnosis. You can always file an appeal with the DMV if you feel you were suspended from driving unfairly, thus resulting in lack of insurance. Aside from epilepsy, your doctor may report illnesses like diabetes, substance addiction, and even aggression.
5. You've made several claims in a short period of time.
If you prove to your auto insurance company that you are too big of a risk, they may choose to drop you. You may prove to be too expensive.
Remember: it is against the law to drive without auto coverage. If you get into an accident, you may also face financial damages.
It is important that you maintain a strong relationship with your auto insurance company. You have many choices, but your company is less likely to drop you if you have open channels of communication about the issues you are experiencing.
Talk to a company like Graber Insurance for more information.