What happens if you are about 10 days late paying for your car insurance?

April 11, 2017 · Posted in FAQ 
car insurance
fountain of youth asked:

School is about to start, and i have an insurance payment coming up on the same week i needed money the most to pay for school supplies including a graphing calculator that costs over $100. If i spend this money, i won’t be able to afford car insurance till the week after and i might be 7-10 days late paying for car insurance. Will anything bad happen if i’m late?

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24 Responses to “What happens if you are about 10 days late paying for your car insurance?”

  1. mel on April 19th, 2009 3:38 pm

    call your agent and explain your situation and he may look the other way just once.

  2. porsha226 on April 21st, 2009 2:16 am

    they could cancel your policy but you should contact them on their policy about that. some places allow additional time for a small fee.

  3. mrsd on April 23rd, 2009 2:09 am

    call and ask them if you have a grace period I have a five day one…

  4. redirishactress on April 23rd, 2009 7:00 am

    Call the carrier and work out a payment plan. If you don’t do anything then they can cancel it!!

  5. David W on April 23rd, 2009 11:42 am

    Most give you a grace period, then again if something happens you may be left out in the cold…

  6. Mr.TickedOff on April 26th, 2009 3:27 pm

    Most companies say you have 30 days before your policies are canceled.. however, if you had a wreck, they’re not covering you.

  7. roeleavitt on April 30th, 2009 12:31 am

    call them up and explain what is happening. don’t wait because you are already ten days late. if you drive around without car insurance you can get stopped and have your license taking away, or they can cancel your policy

  8. USA Proud © on May 3rd, 2009 10:37 am

    I think that you have a 30 day grace period

  9. helpme1 on May 5th, 2009 9:13 am

    you should call the insurace company to tell them so they won’t think you are just not paying your bills. It will at least help your reputation with them anyway. They may or may not charge a late charge.

  10. dslant6 on May 7th, 2009 1:23 pm

    The Car Insurance Police will take you away in handcuffs and throw you in jail!

    Actually, most insurance companies have some sort of grace period. They may send you a late notice, but your insurance will still be in force. If unsure, just call your insurance company.

  11. babysisterchrissy on May 10th, 2009 1:54 pm

    you will have to pay a late fee, and possibly a policy re-instatement fee. Plus if you get in a accident while your policy has lapesd you could be liable for all damages. See if you can borrow the $ or find a used calculator for less $.

  12. billyandgaby on May 11th, 2009 8:44 am

    Your insurance is void for those ten days, unless you are over paid.

  13. cindy on May 12th, 2009 8:35 am

    just don’t get into an accident or get pulled over. the expiration date on your card will stand. if you don’t make the payment on time, then, the insurance company can deny payment and you will receive a ticket for no insurance. once you make the payment, the insurance company will issue you new cards with the effective date as the day they received payment. if they already sent you the cards and they haven’t expired, then, they are okay to show if you only get pulled over to keep you from getting a ticket, but they will not protect you from an accident and you will be held responsible.

  14. tonalc1 on May 14th, 2009 2:10 am

    You’ll receive a cancellation notice from the company. You’ll then have some time to pay it off. It won’t show up as a late payment, and won’t affect your coverage.

  15. yowhatsup2day on May 16th, 2009 6:40 am

    If it is the renewal for your insurance, you know where you get the new little stub to carry with you saying your insurance is valid, and you do not pay on that date, usually your insurance will expire with no grace period. If it is a monthly payment and you already have your little stub that says how long your insurance is good for, then you might have some grace period. I would call your insurance company to find out. Usually never later than 10 days is allowed. They do not like you to do it at all. I would wait for the calculator and pay the insurance. A calculator is not going to come in handy except for adding up damages if somebody dings your car. Or worse and lets not think about that.

  16. Ron H on May 16th, 2009 2:39 pm

    Depending on what company you’re with, you should have a short “grace” period. My company is 9 days with the payment having to arrive by the 10th or you are cancelled. You then have 90 days to reinstate (get same discounts, etc. that you had before you were cancelled) ..but you are not covered. State could suspend your license if stopped.

  17. oldhippypaul on May 19th, 2009 5:02 pm

    as has been stated above most policies have a grace period. This will however show as a late payment o your credit report. Which is not a big thing one time. And if you are in school no one expects you to have a good credit report anyway. We are all broke during school. The most important thing is to call your agent and find out exactly were you stand. He/She can give the only advice worth taking. Just be up front with her/him

  18. krystal on May 20th, 2009 7:45 am

    In certain countries or states, it’s an offense to drive without an active car insurance. To play on the safe side, as mentioned by many….check with your insurance company

  19. Leslie T on May 23rd, 2009 2:44 am

    grace periods are practically a thing of the past, better check with your company to find out exactly how they work, some companies call it a grace period (meaning they accept a late payment) but you don’t have coverage during that period and alot of companies look at the postmark date to determine date received
    better be safe than sorry

  20. aerowrite on May 26th, 2009 11:27 am

    Read your policy. If you don’t have it handy, call your agent. Your policy will explain the terms and conditions of payment. Some will offer a grace period – others will not. In either instance, if your payment is too late, your policy will be cancelled for non-payment.

  21. mbrcatz17 on May 28th, 2009 2:11 pm

    Call your agent. Some states can cancel a policy if it’s not paid on time; some will give you a 10 day grace period. Some companies honor postmarks, some don’t.

    To find out the specifics for your policy, call your agent.

  22. STEVEN F on May 29th, 2009 10:41 pm

    Most companies will allow a payment plan if you set it up in advance. If you just don’t pay, they could cancel you policy as soon as the payment is late. If you don’t have a claim in that time, you’ll probably just pay a late fee. If you have a claim, you are uninsured.

  23. stacy y on May 30th, 2009 6:56 am

    It really depends on your insurance co. I work for an insurance co in Southern California and on day 11 of non payment they will charge a $7 late fee. If you haven’t paid by day 21 they cancel your policy. You can also call your insurance company and ask for an extension or to change your due date. My suggestion is to contact the insurance co and see what they can do for you. At any rate in California they have to give you notice before they cancel your policy. I hope this helps.

  24. Belen on June 2nd, 2009 7:09 am

    You won’t be covered during the time that you failed to pay your insurance premiums.

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