You may think that getting car insurance is like going to the store to buy milk. You bring your gallon to the cashier, you pay your money, and you have what you wanted. Florida car insurance is not like this for several reasons, a major one being that you may actually be “no” by your car insurance company! You’ve certainly never been told by your local grocery store you are not allowed to buy milk, so why is it different?
Your insurance company is a business, not a charity. They stay in business by collecting everyone’s premium each month and paying out on only a small amount of these driver’s policies. If they think you’re a risk for costing them a lot of money, they’ll simply choose not to cover you any longer.
There are two ways you can be told by your auto insurance company that they will not continue to cover you, a non-renewal or a cancelled policy. Non-renewal happens when your insurer decides to part ways with you at the end of your policy term for business reasons, like they no longer cover the state of Florida. As well, your policy can be non-renewed at the end of your term because your driving situation has changed, like you got a DUI or received several speeding tickets in a short amount of time. Cancellation is more severe and happens when the insurance company decides to stop coverage before the end of your term because they no longer want to cover you or you have not paid. Individual state laws detail the situations in which an insurer can cancel your policy. For example, a Florida insurance company must notify you that your policy will be cancelled in 10 days for nonpayment of your premium. For any other reason, they must give you 45 days.
Beyond not paying your monthly premium, you can be dropped by your insurance company for a few other reasons. They include:
- Revocation or suspension of your driver’s license
- Lack of vehicle registration
- Fraud
- Making a fraudulent claim
Lying or unintentionally giving incorrect information on the insurance application about things that would have affected the policy price would be an example of the type of fraud your insurance company can drop you for.
Whatever the reason your current company is parting ways with you, you need to have a new policy in place on day one when your coverage through them is gone. If you get pulled over or in an accident, the police don’t want to hear that you did have insurance… but not anymore. You’ll be in big trouble if this happens. Don’t let the nonrenewal or cancellation of your car insurance policy make your life more complicated than it has to be. Driving uninsured in Florida is not a good option, even for even a single day. Reach out to Pronto Insurance today to stay insured and stay on the road.
Once you contact us, you’ll be pleased to see just how affordable your new car insurance policy will be- even if you’ve been cancelled in the past. Beyond just great, low prices, we also offer many different types of plans so you are only paying for exactly what you need and nothing else. Pronto Insurance allows you to customize your car insurance with flexible options to fit your budget and needs. Do you need roadside assistance on your policy? Do you want full coverage for an expensive car you love? Perhaps you’d rather save some money on premiums and only opt for liability insurance. We’ll find the coverage that is just right for you! Pronto Insurance is well-respected and trusted because we put our customers first. We make paying your monthly payment, contacting an agent, filing a claim, and making changes to your policy incredibly easy. In fact, you’ll wonder why you waited so long to switch companies!
