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Car insurance lapse during car repo

What 21st Century Insurance affiliated insurance companies are used to write auto insurance, direct to the consumer, for 21st Century Insurance?
For a state by state listing of the companies used to write auto insurance direct to the consumer ...

What is the difference between "Limited Tort" Option and "Full Tort" Option?
"Limited Tort" Option - The laws of the Commonwealth of Pennsylvania give you the right to choose a...

Do you offer support for Spanish speaking consumers?
1) Como me contacto un representante de ventas para una cotizacion? To obtain a quote,...

How soon can I start a new policy?
21st Century Insurance coverage can usually start as soon as 12:01 A.M. tomorrow. Your down payment...

Do you offer extended warranty policies for automobiles?
21st Century Insurance does not currently offer automobile extended warranty contracts.

Do you write insurance on motorcycles?
21st Century Insurance does not currently write insurance on motorcycles. However, we have a relati...

Is there a grace period?
21st Century Insurance does not offer a grace period.* *Except in AZ where the law requires a 7 day...

Does 21st Century Insurance offer non owner auto insurance policies?
21st Century Insurance does not offer any type of non owner auto insurance policies.

Does 21st Century Insurance offer boat insurance policies?
21st Century Insurance does not write boat insurance policies. However, we have relationships with ...

Does 21st Century Insurance offer insurance for ATVs?
21st Century Insurance does not write insurance policies for ATVs. However, we have relationships w...

Does 21st Century Insurance offer insurance on recreational trailers, utility trailers, and motor homes?
21st Century Insurance does offer insurance policies for both recreational and utility trailers as ...

What happens if I have a claim?
21st Century Insurance has a Claims Reporting Hotline that is available when you need it, 24 hours ...

Does 21st Century Insurance write Fleet vehicle policies?
21st Century Insurance only writes Personal Auto Insurance policies, but our partner company, Farme...

Where is the closest 21st Century Insurance agent located?
21st Century Insurance, the product supported by this web site, is a direct-to-consumer provider of...

What is Towing And Labor Coverage?
21st Roadside Assistance, includes 24-hour roadside assistance for all insured vehicles anywhere in the US and Canada...

What are anti-lock brakes and how do I determine if I have them?
Anti-lock brakes are a factory installed device on some cars that allows for better control while b...

I am relocating to Canada and was wondering if 21st Century Insurance offers auto insurance there?
At this time 21st Century Insurance does not currently offer an auto insurance program for resident...

What is Collision Coverage?
Collision Coverage protects your vehicle against direct and accidental loss by collision with anoth...

What is Comprehensive Coverage?
Comprehensive Coverage (also known as "Other than Collision" coverage) is sometimes referred to as ...

What happens to my policy when I get into an accident? Violation?
Contact our claims department immediately to report the loss. You may call toll free 1-888-244-6163...

What discounts are available in Hawaii?
Currently, there are no discounts for Hawaii.

What discounts are available in the state of Massachusetts?
Currently, there are no discounts for Massachusetts.

How much will my premium increase if I have an accident/violation?
Depending on the nature of the accident or violation, your premium may not increase at all. If it d...

What discounts does your company offer?
Discounts vary by state. To view the discounts available in your state, choose your state from the...

What is the Driver Training Discount?
Drivers under age 21 who complete a state approved driver training course are automatically entitle...

I just bought a new car. What do I need to do to get it added to my policy so I have coverage?
First, congratulations on your new automobile. Getting coverage for your new vehicle is simple. You...

If I need to contact a representative at 21st Century Insurance, how would I do that?
For your convenience, we have representatives available during regular business hours in your respect...

What address do I use if I need to mail something overnight?
Forms or documents related to 21st Century Insurance policies can be sent to the following address....

What is gap coverage? Does 21st Century Insurance offer gap coverage?
Gap coverage is available to provide coverage for the difference between the outstanding indebtedne...

My child has a Learner's Permit. When do they need to be added to the policy as a driver?
If a driver in your household has a learner's permit, they do not have to be added your policy as a...

Why has my policy been canceled?
If a policy is canceled by an insurance carrier it could be for a number of reasons. The answer to ...

What is Full Glass Coverage?
If chosen, your Comprehensive Coverage deductible may be waived for glass claims. This option is no...

What if my car isn't drivable after I am involved in an accident?
If the car is not drivable it will need to be towed. Make sure you get the address of the service ...

What is covered under Towing/Labor Coverage?
If the towing were a result of a disablement (dead battery, broken fan belt, etc), the towing would...

If I rent a car do I need to purchase the Rental Car Company insurance?
If you have a policy with us and at least one of the vehicles on the policy has physical damage cov...

I reside in a state that requires my vehicle to be inspected for physical damage coverage, how do I go about getting it done?
If you reside in one of the four states that require your vehicle to be inspected for physical dama...

What is Extended Transportation Expense Coverage(Rental Reimbursement)?
If your vehicle should be temporarily disabled for more than a day due to a covered auto accident, ...

Does 21st Century Insurance write insurance policies for people with a DUI or DWI?
In most states we will accept applicants with one DUI, DWI or other major violation. To see if you ...

How can I get a quote on auto insurance?
In order to provide you with our best possible quote, please contact us through either: 1.) 1-877-3...

How is my coverage amount determined?
Initially we will ask you what coverage amount you would like. Usually this will be the amount on y...

How do I obtain replacement insurance ID cards?
Insurance ID cards are included for each insured vehicle with each 6-month new business policy and ...

Does 21st Century Insurance offer antique or classic car auto insurance?
Insurance products for the 21st Century Insurance Classic Auto program are underwritten by Foremost...

Should I repair or replace my cracked windshield?
It is our practice to waive your Comprehensive Deductible when you repair your windshield rather th...

When will my lienholder be contacted with any changes to my vehicle(s)?
Lienholder's should receive confirmation of vehicle changes within 7-10 days business days of the c...

What is Medical Payments Coverage?
Medical Payments coverage pays up to a specified amount for injuries sustained by you and covered p...

When can I expect a check?
Most losses are paid within 7 days of a report. If you wish, we can pay your shop directly. Just te...

Why do I have to pay higher rates when you have a rate increase? I didn't have a claim.
Most people don't plan to have an accident or submit a claim to their insurance company. And the fa...

What happens if I move to another state?
Moving to another state will require us to issue you a new policy. Please call our toll free custom...

Where should I send documents for my policy?
New Policy Correspondence Address: This address should be used if you have started a policy with us...

Do checks go to the Body shop or the Insured?
On repairable vehicles, the check will be made payable to the insured and lien holder and mailed to...

How long will it take to process my payment in your payment center?
Payments mailed via postal mail are credited to your policy the day they are received. It may take ...

Can I make a payment using Western Union? What is required?
Please contact/locate a Western Union office by calling 1-800-325-6000. When completing the Western...

I have been requested to submit a claim-free letter. What form do I need to complete?
Policies canceled either by the insured's request or for non-payment are routinely reviewed for rei...

What is Bodily Injury Liability Coverage?
Protects the insured as the owner or driver of a vehicle for all sums which the insured becomes leg...

When can I expect my renewal?
Renewals are generated and mailed 60 days in advance with the exception of New Jersey. New Jersey r...

What is the Safe Vehicle Discount?
Save up to 10% automatically if you drive what we classify as a "safe" vehicle. Cars like the Buick...

What is Property Damage Liability Coverage?
Similar to Bodily Injury Liability but limited to damage caused by you to another person's property...

Why do you need to know about every driver in the household?
Since we write auto policies that cover specific vehicles, we need to consider all potential driver...

What is the process if my spouse and I are separated? Divorced?
Single Vehicle Policy If the vehicle listed is registered solely to the Named Insured, a written re...

What is the Mature Driver Discount?
The Mature Driver Discount is a defensive driving discount for which a mature driver (generally age...

What is the NAIC number?
The NAIC number is a number that the National Association of Insurance Commissioner's (NAIC) assign...

What is the difference between an appraiser and an adjuster?
The appraiser is the person who inspects your vehicle for damages. The adjuster, who is also known ...

What forms are needed in the state of South Carolina?
The available forms and a brief description are listed below. You can open a .pdf version of the f...

What forms are needed in the state of Florida?
The available forms and a brief description are listed below. You can open a .pdf version of these...

What forms are needed in the state of Wyoming?
The available forms and a brief description are listed below. You can open a .pdf version of this ...

What forms are needed in the state of Alabama?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of Arizona?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of Arkansas?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of New Jersey?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of New York?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of Alaska?
The available forms and a brief description are listed below. You can open a .pdf version of this f...

What forms are needed in the state of New Hampshire?
The available forms and a brief description are listed below. You can open a .pdf version of this f...

What forms are needed in the District of Columbia (Washington D.C.)?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of California?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Colorado?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Connecticut?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Delaware?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Georgia?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Idaho?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Illinois?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Indiana?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Iowa?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Kansas?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Kentucky?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Louisiana?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Maine?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Maryland?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Michigan?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Minnesota?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Mississippi?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Missouri?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Montana?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Nebraska?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Nevada?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of New Mexico?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of North Dakota?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Ohio?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Oklahoma?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Oregon?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Pennsylvania?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Rhode Island?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of South Dakota?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Tennessee?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Texas?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Utah?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Vermont?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Virginia?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Washington?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of West Virginia?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Wisconsin?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What billing methods does 21st Century Insurance offer?
The bill generates and is mailed directly to the customer's address shown on the system - there are...

What is Personal Injury Protection (PIP) (Basic Reparation Benefits in CT)?
The extent of coverage varies by state, but it generally pays for medical and rehabilitative expens...

What discounts are available in Washington D.C.?
The following discounts are available in Washington D.C.: Multi Car Discount Up to 30% (Bodily Inju...

What discounts are available in the state of Alabama?
The following discounts are available in the state of Alabama: Multi Car Discount Up to 30% (Bodily...

What discounts are available in the state of Alaska?
The following discounts are available in the state of Alaska: Multi Car Discount Up to 30% (Bodily ...

What discounts are available in the state of Arizona?
The following discounts are available in the state of Arizona: Multi Car Discount Up to 23% (Bodily...

What discounts are available in the state of Arkansas?
The following discounts are available in the state of Arkansas: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of California?
The following discounts are available in the state of California: Multi Car Discount up to 30% (Bod...

What discounts are available in the state of Connecticut?
The following discounts are available in the state of Connecticut: Multi Car Discount Up to 28% (Bo...

What discounts are available in the state of Delaware?
The following discounts are available in the state of Delaware: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Florida?
The following discounts are available in the state of Florida: Multi Car Discount Up to 28% (Bodily...

What discounts are available in the state of Georgia?
The following discounts are available in the state of Georgia: Multi Car Discount Up to 30% on Bodi...

What discounts are available in the state of Idaho?
The following discounts are available in the state of Idaho: Multi Car Discount Up to 30% (Bodily I...

What discounts are available in the state of Illinois?
The following discounts are available in the state of Illinois: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Indiana?
The following discounts are available in the state of Indiana: Multi Car Discount Up to 30% (Bodily...

What discounts are available in the state of Iowa?
The following discounts are available in the state of Iowa: Multi Car Discount Up to 30% (Bodily In...

What discounts are available in the state of Kansas?
The following discounts are available in the state of Kansas: Multi Car Discount Up to 30% (Bodily ...

What discounts are available in the state of Kentucky?
The following discounts are available in the state of Kentucky: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Louisiana?
The following discounts are available in the state of Louisiana: Multi Car Discount Up to 30% (Bodi...

What discounts are available in the state of Maine?
The following discounts are available in the state of Maine: Multi Car Discount Up to 30% (Bodily I...

What discounts are available in the state of Maryland?
The following discounts are available in the state of Maryland: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Michigan?
The following discounts are available in the state of Michigan: Multi Car Discount Up to 26% (Bodil...

What discounts are available in the state of Minnesota?
The following discounts are available in the state of Minnesota: Multi Car Discount Up to 30% (Bodi...

What discounts are available in the state of Mississippi?
The following discounts are available in the state of Mississippi: Multi Car Discount Up to 30% (Bo...

What discounts are available in the state of Missouri?
The following discounts are available in the state of Missouri: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Montana?
The following discounts are available in the state of Montana: Multi Car Discount Up to 30% (Bodily...

What discounts are available in the state of Nebraska?
The following discounts are available in the state of Nebraska: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Nevada?
The following discounts are available in the state of Nevada: Multi Car Discount Up to 30% (Bodily ...

What discounts are available in the state of New Hampshire?
The following discounts are available in the state of New Hampshire: Multi Car Discount Up to 30% (...

What discounts are available in the state of New Jersey?
The following discounts are available in the state of New Jersey: Multi Car Discount Up to 20% (Bod...

What discounts are available in the state of New Mexico?
The following discounts are available in the state of New Mexico: Multi Car Discount Up to 30% (Bod...

What discounts are available in the state of New York?
The following discounts are available in the state of New York: Multi Car Discount Up to 20% (Bodil...

What discounts are available in the state of North Carolina?
The following discounts are available in the state of North Carolina: Multi Car Discount Up to 20% ...

What discounts are available in the state of North Dakota?
The following discounts are available in the state of North Dakota: Multi Car Discount Up to 30% (B...

What discounts are available in the state of Ohio?
The following discounts are available in the state of Ohio: Multi Car Discount Up to 30% (Bodily In...

What discounts are available in the state of Oklahoma?
The following discounts are available in the state of Oklahoma: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Oregon?
The following discounts are available in the state of Oregon: Multi Car Discount Up to 30% (Bodily ...

What discounts are available in the state of Pennsylvania?
The following discounts are available in the state of Pennsylvania: Multi Car Discount: 33% to BI/...

What discounts are available in the state of Rhode Island?
The following discounts are available in the state of Rhode Island: Multi Car Discount Up to 30% (B...

What discounts are available in the state of South Carolina?
The following discounts are available in the state of South Carolina: Multi Car Discount Up to 30% ...

What discounts are available in the state of South Dakota?
The following discounts are available in the state of South Dakota: Multi Car Discount Up to 30% (B...

What discounts are available in the state of Tennessee?
The following discounts are available in the state of Tennessee: Multi Car Discount Up to 30% (Bodi...

What discounts are available in the state of Texas?
The following discounts are available in the state of Texas: Multi Car Discount Up to 20% (Bodily I...

What discounts are available in the state of Utah?
The following discounts are available in the state of Utah: Multi Car Discount Up to 30% (Bodily In...

What discounts are available in the state of Vermont?
The following discounts are available in the state of Vermont: Multi Car Discount Up to 30% (Bodily...

What discounts are available in the state of Virginia?
The following discounts are available in the state of Virginia: Multi Car Discount Up to 30% (Bodil...

What discounts are available in the state of Washington?
The following discounts are available in the state of Washington: Multi Car Discount Up to 30% (Bod...

What discounts are available in the state of West Virginia?
The following discounts are available in the state of West Virginia: Multi Car Discount Up to 30% (...

What discounts are available in the state of Wisconsin?
The following discounts are available in the state of Wisconsin: Multi Car Discount Up to 30% (Bodi...

What discounts are available in the state of Wyoming?
The following discounts are available in the state of Wyoming: Multi Car Discount Up to 30% (Bodily...

What discounts are available in the state of Colorado?
The following discounts may be available in the state of Colorado: Multi Car Discount applies if yo...

How long will my good student discount be valid?
The good student discounts are valid for one year. You will need to provide an updated form or repo...

I try to request a quote and it keeps bringing me back to the same page I was on. Why can't I get a quote?
The issue could be a result of using a pop-up blocker. If you have any "pop-up blocker" tools inst...

Why do you ask so many questions before I can get a quote?
The more information we have, the better we can determine the right rate for you. If we asked fewer...

Why do I have to pay for Uninsured Motorist coverage?
The name of this coverage is misleading, and is often mistaken as coverage for the other driver who...

I already have a 21st Century Insurance policy and I have been asked to complete new Florida coverage selection forms. What forms do I need to complete?
The necessary forms and a brief description are listed below. You can open a .pdf version of these...

How can I see if my payment has been credited to my policy?
The online payment center provides the following information on your policy: The last paymen...

I reside in KS and did not qualify to receive a quote with 21st Century Insurance, what can I do now?
The state of Kansas has an Assigned Risk Plan for customers that do not qualify for insurance throu...

I submitted a request for an online quote and received a message saying "Sorry, we can not give a quote at this time." Why not?
There are a couple of reasons why you may not receive an immediate online quote. First, there are o...

What forms are needed in the state of Massachusetts?
There are no required Massachusetts forms at this time.

What are the forms for Hawaii?
There are no state specific forms for Hawaii. For more information on coverage in Hawaii, please go...

If I use one of 21st Century Insurance's preferred repair shops, is the work guaranteed?
These shops are pre-approved by 21st Century Insurance and their repair work is guaranteed for as l...

What is an SR-22 (FR-19 in DE, MD)?
This form is required of drivers who have been convicted of a serious violation, involvement in a s...

How long do I need to wait until I am officially accepted?
Time will vary but you will generally receive a policy and declarations page about 2 weeks after we...

Can I change my password for account access?
To change your password, go to the Policy View log-in screen and enter your original email address ...

I forgot my policy number, how can I find out what it is?
To initiate a chat session please select this link to be connected to the first available customer ...

How do I submit a claim?
To submit an auto claim online, please select the following link, Submit a Claim or call our auto c...

What forms do I need to fill out?
To view the a description of the forms available, and link to those forms, select your state from t...

What is Underinsured Motorist Coverage?
Underinsured Motorist Bodily Injury Coverage pays for your injuries up to the policy limit when the...

What is Uninsured Motorist Coverage?
Uninsured Motorist Bodily Injury Coverage protects you and the occupants of your vehicle for bodily...

What is the 21st Roadside Assistance?
We are happy to announce a new benefit: 21st Roadside Assistance...

What are my payment options?
We can accept the following forms of payment: Credit Cards: (Visa, MasterCard, and Discover)...

How often do you change your rates?
We do not have a set schedule for rate changes. Rate increases or decreases are the result of sever...

How can the rates for 21st Century Insurance be so much lower than other auto insurers?
We frequently get that question from our new policyholders who saved an average of over $300 per ye...

What do I do if I have a windshield claim?
We have a Glass Specialty Unit that can coordinate the repair of your windshield with one of our gl...

How do I cancel with my prior auto insurance carrier?
We offer an easy to complete form which you can complete online, print it out, sign it and mail it ...

I need to cancel my policy. What do I need to do?
We're sorry to hear you're requesting cancellation; we value your business and you as a customer of...

I have an older car. Should I still purchase Comprehensive and Collision coverage?
When deciding whether to purchase physical damage (collision and other than collision), you should ...

How are Glass Claims handled? Windshield Chips?
When you call to report glass breakage, you will be offered a voice prompt to speak directly with o...

What is the Multi-Car Discount?
When you insure 2 or more vehicles on the same policy you can receive up to a 30% discount on Bodil...

Once I have reported the claim, should I get estimates?
When you report the claim, if you have comprehensive/collision coverage for your auto, an appraisal...

What if I have medical coverage on my policy and I am hurt?
When your adjuster calls you, tell them that you have medical bills. The adjuster will handle every...

When will I receive the quote?
Whether you request a quote from our friendly phone representatives or online, generally you will r...

Do you offer umbrella liability policies?
Yes, we do offer Personal Umbrella liability policies to our current automobile policyholders. Lim...

Does 21st Century Insurance offer the ability to view policy documents online?
Yes, we do. The documents that you currently receive in the mail are also available for you to vie...

Does 21st Century Insurance offer the ability to electronically sign applications and state specific coverage selection forms?
Yes, we do. The eSignature program offers our online and call center customers the ability to quick...

Do I have a choice of Body Shops?
Yes, you can choose any reputable repair shop to repair your vehicle. We do have preferred repair s...

Can I use any repair shop when I have an accident?
Yes, you can have your vehicle repaired in the facility of your choosing. If you would like assista...

Can I use any repair shop?
Yes, you can have your vehicle repaired in the facility of your choosing. If you would like assista...

I have moved to a new address. Do I need to notify you?
Yes. If you have moved to a new address we need to know about it for two reasons. First, we need to...

How do I add a driver to my policy? What will I need?
You have the option of adding a driver via our customer service website or by contacting our custom...

How do I add a vehicle to my auto policy? What will I need?
You have the option of adding a vehicle via our customer service website or by contacting our custo...

What is the process if a member of the household moves out?
You have the option of deleting a driver via our customer service website or by calling our custome...

How do I delete a vehicle off of the policy?
You have the option of deleting a vehicle via our customer service website or by calling our custom...

Can I make a payment using ACH?
21st Century Insurance does not currently accept ACH payments...

Does 21st Century Insurance offer flood insurance?
You may receive information on Flood Insurance from one of Customer Care Specialists by dialing 800...

To whom am I actually speaking to receive this quote? (licensed agents, etc.)
You will be referred to our licensed agents, so that we can provide you the best quotation possible...

Does my 21st Century Insurance auto policy cover me while driving in Canada and what proof of insurance do I need?
Your 21st Century Insurance auto policy will cover you while driving in Canada. You will need Canad...

Who should I call to determine the status of the appraisal?
Your adjuster is always happy to help you and answer any questions you may have. If you need to con...

What happens after I report a loss?
Your claim is then assigned to a claim representative who will contact you to go over the facts of ...

I made a policy payment online. Is there a confirmation number that can be used as verification?
Your payment is credited at the time payment is made but it will take 1 - 2 business days to post t...

Does my 21st Century Insurance policy cover me while in Mexico?
Your policy contract does not provide any coverage for losses that occur in Mexico. If you would li...

How can I view my policy online?
Your policy information may be viewed online at www.21st.com. Our website allows you to access your...

How long is my auto quote guaranteed?
Your quoted price will be available for the entire day in which you received the quote, which leave...

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How you need to handle car insurance cancellation depends on whether it's you or the insurer who's terminating the policy. Let's look at each of the issues related to auto insurance cancellation: how to get insurance again, getting your money back, and more.

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Canceling Voluntarily
If you choose to cancel your insurance policy for any reason, then you should be entitled to a full refund of the remaining premium. There will be a deduction from the amount you paid, depending on how long you have been insured. If you have only been insured a short amount of time, then you will get a refund of most of your premium. For example, most premiums cover six months of insurance. If you paid $300 for six months and you cancel after 1month, then you will get approximately $250 as a refund. However, you should read your policy closely. There may be fees associated with early cancellations.

Contact Insurer in Writing
In order to cancel a policy, many insurers will require that you send them written notice. This is to cover them and to cover you in the case of any questions in the future. Most states require a driver to have auto insurance, and if you cancel the insurance and have no coverage, then you will be liable in the case of an accident. In order to cover themselves, the insurance company will want a written statement with your signature showing that you canceled coverage.

If you do cancel coverage, you need to have new insurance in place before you cancel your previous policy. In many states, you will be liable for a penalty and fee for any amount of time that you are not covered. It may take several days or even weeks to receive your policy refund.

Insurance Company Cancellation
There is s difference between you canceling your insurance and the car insurance company canceling your coverage. Insurance companies only take the step of canceling coverage during a term if you violate the terms of the insurance agreement in a some serious way.

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One of these ways is non-payment of premium. If this is the violation in your case, then you won't get any money back from the company, clearly. You can avoid cancellation for non-payment by setting up an automatic payment program or by simply paying your premium on time. Many insurance companies offer a grace period for established customers, but are less accommodating to new customers without a track record.

If your policy is canceled for other violations, the circumstances are different. These violations may include a DUI, too many tickets or too many accidents. If a company cancels your insurance due to these kinds of violations, they must send you written notice, and will give you a period of time to search for new coverage, although it may be a short time.

Even under these circumstances, the insurance company will send you a pro-rated refund based on the amount of time left on your policy. Again, this refund will take several weeks to arrive, so don't count on it as the means to pay your new premium.

Even if the insurance company cancels your car insurance, you are generally entitled to a refund of unused premium. The only exception is if your insurance agreement specifically states that there will be no refunds. You can expect this kind of provision if you have high points on your license, a high number of accidents or a poor payment record.

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How Do You Cancel Your Car Insurance Policy?

As long as you know what you need to do it's not a hassle. Here's what you need to know.

Find Other Insurance First
Before you consider cancelling your current policy you will need to set up a new policy. A lapse in coverage can end up costing you a lot of money in fines from the state, and can make it difficult to find insurance later on. Know what day you want your coverage to start with the new policy before you go any further.

Call Your Current Provider
Once you have a new policy set up you can call your current insurance carrier. Tell them what day the new policy takes effect and you can cancel your existing policy as of that day. If you cancel the policy first then find another insurance carrier you may end up having to pay fines and risk being cancelled by the new company later for having a lapse in coverage.

Waiting on Reimbursement
If you are cancelling a policy that has been paid in full before the term expires, you may get a refund from the insurance company. We stress "may" here. This will depend on the policies set forth by the insurance companies and what state laws are in place regarding paid premiums in your state. Most insurance companies will charge a fee for cancelling early, and this will come out of any paid premiums. This is usually equal to one month's worth of premiums.

Cancelling Car Insurance When Selling a Car

When selling a car in a private transaction, it is important to properly time when you cancel your car insurance. While the car is listed for sale and prospective buyers are test driving it, you must keep your insurance active. In most states it is illegal to have an uninsured vehicle on public roads. Once the terms of a sale have been determined, the timeline and steps are usually as follows:

  1. Decide upon a price, and draft a bill of sale.
  2. Exchange payment (be sure to receive certified funds) and sign the bill of sale in front of a notary public. Typically your local bank can act as a notary public.
  3. Sign over the title to the new buyer and have it notarized as well.
  4. Fill out any other additional paperwork that might be required by your DMV.
  5. If possible, fill out, sign and notarize a "Release of Liability" form. These can also be found on some DMV websites or available on various document library websites.
  6. Cancel your insurance and be sure that the new owner adds the vehicle to their insurance policy.

For additional information, consult your state's DMV website. Typically a detailed step by step list outlining the car selling process will be available with links to applicable forms.

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When Should You Cancel Your Car Insurance Policy?

You can cancel a car insurance policy whenever you wish. It's not always a good idea though. Here are some examples of when cancelling a car insurance policy is a good thing to do.

Finding Better Rates
If you find a better rate on your insurance and want to switch, then you should cancel your insurance policy. There are a few things here that need to be done though. First make sure the new coverage takes affect before the old policy is cancelled. You need to be covered 24 hours a day. When you find a new policy pay attention to when it starts. In many cases they will tell you the coverage starts at 12:00 midnight on a specific day. You can then take that date and tell your current insurance company this is the last day of coverage needed. Secondly it's best to wait until a policy is about to expire before switching to another insurer. If you cancel a policy part way through the policy period this may result in an early termination fee of some sort.

Before Your Policy Expires
If you are looking to cancel a policy because you don't want to renew it, it's best to let them know several weeks before the policy expires. You will also want to make sure your new coverage picks up right where the other policy ends. Using this buffer of several weeks allows you the peace of mind in knowing that your record will reflect to lapse in coverage.

Coverage Issues
Insurance companies have really gone out of their way to make sure they appear fair and just. There are many smear campaigns out there either by disgruntled policy holders or competition. Unfortunately sometimes you may run in to issues with your coverage. If you have had a bad experience and can't seem to get anything straightened out, or if the outcome wasn't fair in your mind, then it may be a good idea to find another insurance company to carry your auto policy. Bear in mind that you will need to set up the new policy first so you won't have any uninsured periods. You also want to wait until any litigation is settled with the current company if you are in the middle of a claim.

Temporary Holds
If you plan on traveling, or you have lost your job and can't make your premiums then you may be tempted to cancel your policy. In these cases, you can usually place a hold on your policy for up to a year. During this time you will be uninsured, so you cannot drive. But you won't have to worry about explaining a lapse in coverage and won't have to go through the hassle of finding another policy later when you are back from your travels or able to pay for the premiums again.

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How to Cancel Insurance on an Undrivable Vehicle

Some new drivers may be unsure about how to cancel insurance in a range of situations. If your vehicle is out of commission, paying attention to some basic considerations will help you successfully cancel insurance without liability.

  • Don't cancel without resolving claims. If your vehicle is un-drivable as a consequence of a collision, trying to cancel the insurance policy before the claim payout may complicate matters. Call and talk to a representative about how to put premium payments "on hold" or otherwise mitigate the costs while you are resolving the accident claim.
  • Make sure state notification is in place. If you are canceling insurance simply because the vehicle broke down, you'll need to communicate that to your insurer. Otherwise, you may run into problems. Some insurers may assume that you are driving the vehicle without insurance, and in some cases, they will notify your state DMV. You may get a written bill or notice in the mail about your vehicle's uninsured status. Inform your insurer upfront to avoid these kinds of situations.
  • Ask about prorated premiums. In many cases, your insurer will rebate you for the amount of time that you prepaid when you are canceling insurance before the end of its term.

How to Cancel Car Insurance after 14 Days

Most auto insurance companies let you cancel car insurance within 14 days of taking out the policy. This is commonly known as a "cooling off" period where you get grace to cancel any agreement before you become committed to it. Canceling your policy inside these 14 days imposes no charge, but if you choose to cancel after that time period you might find there are some penalties and barriers.

Check Your Details
Before you begin it is important that you read the entire policy document and find out if any penalties are imposed if you cancel it. They may include a penalty for canceling a car insurance policy within a certain period of time, but most companies will offer you a refund of any period which is unused or paid in advance. Policies vary widely so if you are unsure, call the carrier and ask what their exact policy is regarding cancellations. Other companies will just require written notice and impose no extra charge, but find out for sure about your own.

Call the Carrier
If you are canceling your insurance policy, consider the reasons. Are you unhappy with the service? Did you get an online quote with another company and found that you could get more for your money? Perhaps you called another company or agent and were offered a cheaper quote altogether. Whatever the reason, call your current company and tell them you are thinking of canceling your insurance. If the agent is worth their salt they may try to keep your business by offering you a lower rate, a discount or other benefits and start a mini price war between them and the new carrier.

Time Your Changes
You must not go through a moment without being covered, so make sure you talk to your carrier first and decide whether you can proceed forward with your contract to them or if you are going to change companies. If you decide to change companies, time it so that you change during a period where you will maximize your refund from the original carrier or minimize any penalty.

Write a Letter to Cancel Insurance
Put any cancellation in writing to your current agent or provider. Some states even require you to notify the DMV of any alterations in your insurance arrangements. Follow the correct procedure for your state and inform those necessary. In the letter, clearly state your name, address and policy number so that the company can correctly identify you and cancel your policy as requested.

Determine if Cancellation Is Necessary
There may be occasions when you absolutely need to cancel your policy. The reasons could vary from medical conditions that prevent you driving or having a spell without a vehicle, or even financial difficulties. Whatever the reasons for canceling, you should still observe the advice that has been offered and correctly cancel your policy with your carrier. For opting out of a shared car insurance policy you need to make sure that you do not owe any extra fees, so contact the company that administers the policy and get clear details of your responsibility.

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How to Get the Unearned Premium on Your Auto Insurance Policy

The unearned premium on an auto insurance policy is the proportion of the down payment for the total agreed term that covers you for the rest of the time left in the term. If you decide to cancel an insurance policy before the end of the agreed term, your insurance provider will owe you the unearned premium. You could want to cancel your insurance policy for any number of reasons, whether you're moving away or because you found a better deal with a different provider. No matter the reason why you want to get out of the policy you now hold, the process of getting back your unpaid premium is fairly simple.

Check for Cancellation Fees
Check your insurance policy to see if there are any cancellation fees. Many insurance providers will make you pay a fee to get out of your policy before the end of the term, and if this fee is higher than your unearned premium, it's not worth canceling.

Tell Your Provider that You Want to Cancel
If you have determined that it is still worth collecting your unearned premium even with the cancellation fee, alert your insurance provider that you want to cancel your policy. You can do this in person or by phone.

Wait for Your Money Back
Once you have told the provider that you want to cancel your policy, your unearned premium should be refunded. Depending on your provider, you will either have to wait for a check to come in the mail or get a direct transfer to your bank account.

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Related Questions and Answers

Can I Get My Money Back If I Cancel My Insurance Early?

In almost all circumstances, a person should be able to get a refund on their insurance policy if they cancel it. Cancelling for any reason is permitted under most policies, but you should read the through the entire policy to make sure that is the case. Policies often have an early cancellation fee, so check your policy. The refund will be pro-rated for the amount of time you have been insured. If the insurance company cancels your policy for any reason, such as missed payments or fraudulent claims, you will not be eligible for a refund. Insurance companies often require cancellations to be done in writing.

Do You Get a Refund on Car Insurance if You Sell Your Car?

The majority of car insurance policies allow refunds for cancelled policies. After selling the vehicle being insured, simply contact the insurance company and request a refund on the balance of your policy. Insurance companies often require cancellation requests to be in writing. As long as the premiums have been paid on time, the insurance company should issue a refund that is pro-rated for the time remaining on the policy. There are often early cancellation fees, so read the policy in full and ask questions about anything you don't understand. If the insurance company cancels your policy due to non-payment or fraudulent claims, you will not be entitled to a refund.

When You Cancel Car Insurance Do You Tell Them If Your Car Was Repossessed?

Repossession is not a fun activity to get involved in, especially when it is your own car being repossessed, but you should cancel car insurance if your car is repossessed. For the most part, automotive insurance companies do not require that they are informed of a vehicle repossession. Everything depends on what is stated in your automotive insurance policy. Double check your policy prior to canceling your automotive insurance so you do not break any terms of the contract, which could prevent you from getting some money back upon cancellation. If a car insurance company needs notification of a repossession, you should provide it in writing.

Can I Cancel My Car Insuarnce If I Sell My Car?

It is possible to cancel car insurance for a vehicle that you decide to sell. The only catch here is that any lapse in automotive coverage from one car to the next can create a truckload of problems for you in terms of tickets and fines from the state where the car is registered. It is illegal to drive on the roads of the United States without any automotive insurance, no matter the type of policy, but this can be prevented. If you plan on canceling the policy on a car you are selling and opening one up on a new car, make sure the new one is active before the old one is canceled.

Can I Cancel My Car Insurance Policy Without Having Another Policy Ready?

You are able to cancel car insurance policies without having another policy ready, but you might not want to drive the vehicle during that time. You will put your license and financial worth at risk when driving in between insurance policies because if you are caught, you will be subject to thousands of dollars in fines and the possibility of a license suspension. Should you decide to cancel your current automotive policy, make sure you have a replacement policy in place to protect your license status and wallet. Approval and payment in full will need to be secured prior to activating the new policy and canceling the old one.

Can I Cancel My Auto Insurance at Any Time?

For the most part, you are legally allowed to cancel auto insurance policies at any time during the life of the policy. Automotive insurance companies will ask for certain items during the cancellation process. Those items include notice of cancellation, the return of the original policy, and sometimes you will have to sign a policy release. A policy release lets the automotive insurance company know you are no longer on their policy and it helps serve notice to your new policy provider that you are no longer insured by another company. Canceling an automotive insurance policy might come with penalties, which could come in the form of a small fee.

Will I Need an SR-22 If My Current Insurance Cancels My Policy?

SR22 insurance filing forms are required by the Department of Motor Vehicles to reinstate a driver's license after the license has been suspended. You will need an SR-22 form should your current insurance policy be canceled but you will need to purchase the minimum amount of liability insurance first. These forms are issued by automotive insurance companies, only by their licensed representatives or agents. SR-22 forms can be used for driver's who have had their license suspended, been charged with a DUI, reckless driving, hit and run, wet-reckless or driving over 100 MPH. Other reasons for an SR-22 include causing an accident with no liability insurance or being issued too many moving violations by police officers.

How Long Is My Car Insured for If I Cancel My Policy

Once you file a cancellation form with your current automotive insurance company and all of the paperwork is processed, your vehicle will no longer be insured. This means that you cannot drive the vehicle on the roads of the United States, unless you are willing to pay hundreds to thousands of dollars in fines and possibly have your license suspended. If you cancel your policy, make sure you have a new one lined up and ready for activation so you are not stuck in one spot for more than one day.

Source


Motor vehicle owners and lessees are required by law to maintain continuous Georgia Liability Insurance coverage on vehicles with active registrations. Driving a vehicle while the registration is suspended, revoked or cancelled is a misdemeanor. Additional penalties will apply, if convicted of driving a vehicle with a suspended or cancelled registration.

Registration Suspension and Reinstatement Process

  • Georgia law requires a vehicle to be continuously insured.  Learn more about the vehicle owner's responsibilities regarding insurance coverage. Registration can be suspended and revoked for any vehicle in Georgia that is not continuously insured with mandatory motor vehicle liability insurance.
  • If the vehicle is not being driven, the registered owner can voluntarily cancel the vehicle’s registration.
  • Insurance Company must electronically transmit insurance coverage within 30 days of the date the coverage is to begin, to the Department’s Insurance Database. Read more about the insurer's responsibilities.
  • Notice of Insurance Termination (from the Insurance Company to the Department) – When an Insurance Company electronically transmits a Notice of Insurance Termination to the Department’s Insurance Database, the transmitted Vehicle Identification Number (VIN) is cross-referenced with the VIN in the Tag and Title Database, the Department will give the Insurer 30 days to electronically transmit new liability insurance information to the insurance database.
  • What is a lapse?  As of July 1, 2005, “lapse” is defined as 10 or more days no liability insurance coverage was on record with the Department. Prior to July 1, 2005, a “lapse” was defined as one or more days no insurance liability insurance coverage was on record with the Department. 
  • New Insurance Information Received – No Lapse in Coverage – If new insurance information is received within 30 days and there was no lapse in coverage, the vehicle record is updated.
  • New Insurance Information Received – Lapse in Coverage – If the lapse fine is not paid within 30 days of the letter’s date, the vehicle’s registration will be suspended.  To cancel the suspension, you must pay the $25 lapse fine and a $60 reinstatement fee.  You can cancel your vehicle registration using an  Affidavit for Mandatory Insurance Relief of Lapse/Pending Suspension & Suspension Fees, Form MV-18J to avoid suspension, lapse, and reinstatement fine under the following conditions:
    • Vehicle was sold, repossessed, stolen, transferred to the Insurance Company as the result of a “Total Loss Claim”; OR
    • If you didn’t drive the vehicle during the time it was uninsured. 
  • The MV-18J Affidavit should be submitted to the vehicle owner’s County Tag Office.  Note:  Lapse and reinstatement fines should be paid to the County Tag Office in the county where you live.
  • If No New Insurance Information Received within 30-day time period allowed, a “Notice of Pending Suspension” will be mailed to the vehicle’s registered owner advising the owner that the vehicle’s registration is subject to suspension if the lapse fine is not paid within 30 days.
  • If No New Insurance Information is received within 30-days of the “Notice of Pending Suspension” the registration is suspended. A “Suspension of Vehicle Registration Notice” is mailed to the vehicle owner. During this period:
    • A license plate will not be issued, transferred, replaced, or renewed
    • The vehicle cannot be driven (driving a vehicle with a cancelled, suspended or revoked registration is a misdemeanor and subject to additional penalties and fines)
  • Lapse and reinstatement fines should be paid to the County Tag Office in the county where you live.
  • Suspended Registration – First and Second Occurrence during any 5-year Period – To reinstate the vehicle registration after the suspension, the vehicle owner must:
    • Obtain and keep continuous Georgia liability insurance coverage,
    • Pay a lapse fine of $25,
    • Pay a reinstatement fee of $60, and
    • Pay any other registration fees and vehicle ad valorem taxes due (these fee and tax amounts can be obtained from the County Tag Office)
    • Pay all fines and taxes to the County Tag Office
  • Suspended Registration – For Third and Thereafter Occurrence during any 5-Year Period, To reinstate the vehicle registration after the suspension, the owner must:
    • Obtain and keep continuous Georgia liability insurance coverage,
    • Pay a lapse fine of $25,
    • Pay a reinstatement fee of $160, and
    • Pay any other registration fees and vehicle ad valorem taxes due (these fee and tax amounts can be obtained from the County Tag Office)
    • Pay all fines and taxes to the County Tag Office
  • Request for Refund of Lapse/Reinstatement Fees, when paid in error, can be submitted to the office where the fines were paid, for the following circumstances:
    • Insurance company has transmitted information on a lapse showing that the vehicle had continuous insurance coverage.
    • The vehicle’s registered owner voluntarily cancelled the vehicle’s registration during the period of lapse.
    • The registered owner was deployed on official military duty while the vehicle was uninsured and not being driven.
    • Vehicle was uninsured and not driven on public roads and highways of Georgia while uninsured due to one of the following:
      • The vehicle was sold or the ownership transferred
      • The vehicle owner moved to another state
      • The vehicle’s ownership was transferred out-of-state
      • The vehicle lease was terminated
      • The vehicle was wrecked, salvaged, or junked
      • The vehicle was repossessed or stolen
      • The vehicle was not driven because it was inoperable, stored, or used seasonally for agricultural or other purpose
    • A properly completed and signed Affidavit Form MV-18J, along with proof of the claim on the form must submitted to the County Tag Office.

Source

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