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What happens if my car insurance policy lapses?
Having a lapse in car insurance coverage will likely result in higher premiums as insurers consider it a sign of higher risk.
August 5, 2026Maya Afilalo
Maya Afilalo is a nationally recognized auto insurance analyst and the Managing Editor at AutoInsurance.com. With more than a decade of experience in research, data interpretation, and consumer-focused communication, she specializes in translating complex insurance regulations, pricing trends, and risk data into clear, actionable guidance.
Maya’s expertise is frequently sought by major media outlets, and she has become a trusted voice for helping drivers make informed financial decisions. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence.
In the News
Maya has been interviewed as an expert on auto insurance in
- CNBC – how to lower premiums
- The Penny Hoarder – what to do if your policy is cancelled
- The Independent – savings strategies
- Woman’s World – role of credit history in auto insurance
- Family Handyman – why costs are rising
- ConsumerAffairs – impact of severe weather
- Yahoo – tips for saving money
- Twice – dash cam usage trends
- Investopedia – types of insurance coverage
- KX News North Dakota – first responders and traffic safety
- Arizona’s Family (3TV / CBS 5) – telematics and data privacy
- Straight Arrow News – Waymo and teen driving
Maya’s Credentials
- Managing Editor & Industry Analyst, AutoInsurance.com
- 10+ years of experience in research, communications, and data-driven analysis
- Interviewed and cited by CNBC, ConsumerAffairs, Family Handyman, and more
- Author of dozens of in-depth articles on auto theft, accident trends, and insurance pricing
- MFA, North Carolina State University
- BA, University of Pennsylvania
EXPERT ADVICE
Maya encourages drivers to compare quotes broadly—across both national carriers and smaller regional insurers—to find the best value. She recommends obtaining at least three quotes and stresses the importance of not skimping on critical protections such as uninsured motorist coverage, increased liability limits, and comprehensive and collision coverage. These policies cost more up front but can save drivers thousands after an accident.
Selected Work & Research
Maya is passionate about applying her research background to provide accurate, thorough, and valuable information to consumers. Examples of her work and research on AutoInsurance.com include:
Recent Contributions
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