How do you renew a policy after a lapse of 2years
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Feb 20, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from New Port Richey, FL
Asked on 02/20/2012
How do you renew a policy after a lapse of 2years My Aunt[95 years old] has forgotten to renew her policy while continuing to drive. Today they want your previous policy # etc. to renew or change companies-any suggestions? So far she refuses to stop driving. I do have power of attorney. Do I have any legal liability here?Thank you, Roy
Answer given on February 20, 2012
Each state is different as to how they charge rates for previously uninsured drivers. If there is a discount given for having had insurance, it appears your aunt will not get that discount. However, she may want to speak to her old insurance company to see if they will take her back and perhaps give her the discounts in spite of not having previous insurance. Since she apparently didn’t have any tickets or accidents in the time she was uninsured the company may be cooperative. If not, she should shop around to see if she can find a better price for her insurance. There could be an issue due to her age, as some insurance companies won’t take new policyholders over a certain age. AARP sometimes has reasonable rates for older drivers.If you feel she should not be driving, you can ask her doctor what he/she thinks. If they agree, they can contact DMV to review her license to see if she should continue driving. You can also contact DMV directly if you are concerned. Even though you have power of attorney, it should not make you legally liable for any of her actions, but you may want to check with an attorney to confirm this.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.