How to Prevent your Maryland Auto Insurance from being Cancelled

by Ernie Thompson.
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Do you have a Maryland Auto Insurance policy that has been cancelled? Then, there are many questions that might be coming to your mind: like why this did happen to me? And how can I avoid this happening in the future? Here are some helpful tips on how to avoid getting your auto insurance cancelled by your insurance company and what you can do about it if this happens to you.

The most common reason for being cancelled by your auto insurance company is the failure to make payments of premiums before the due date. One thing to remember is that the due date is the last day of the billing cycle. Therefore always make sure to make the payment before 12 A.M of the due date.

Once the insurance policy is cancelled, a lapse in policy is generated. The consequence is your insurance company may not cover any claims that arise as a result of an accident that occurs during the lapse period. Therefore, pay your premium immediately when you receive a cancellation notice. DO NOT DRIVE YOUR VEHICLE DURING THE LAPSE PERIOD.

The Motor Vehicle Administration (MVA) receives notices of vehicles with lapsed policies. The MVA at some point will send you a notifice of the uninsured periods of your vehicle(s). They will request that you submit a Maryland Insurance Certification (FR-19) form to certify that your vehicle was covered during the lapse period and impose a penalty in the form a fine for the number of lapse days. In some instances they may even suspend your license until the fine is paid.

One of the benefits of having a knowledgeable auto insurance agent, is that they will call to remind you of the payment due date and help you to avoid being late on your payment. When looking for a new auto insurance agent, ask them what procedures they have in place to help you avoid being dropped by your auto insurance company? Then, listen. You will know who you need to be working with to protect yourself and your family.

For more information visit: http://www.erniethompsoninsurance.com

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