How to Reinstate Auto Insurance
First, determine whether getting your car insurance reinstated is a real possibility. Depending on how much money you owe, whether you have a history of nonpayment, and how late your payment is, you may not be able to reinstate your policy.
Can You Reinstate a Car Insurance Policy?
Reinstating canceled auto insurance will require you to contact your insurance company and pay the premium that you missed. An agent will determine whether they can restore your previous policy, which will depend on your insurance history, the policies, and your insurer.
To see how some of the biggest insurers handle canceled policies, click on your company below to find out if and how you can get reinstated.
||How to reinstate your insurance after nonpayment
||Fill out the form and send completed payment by overnight mail.
|AARP (The Hartford)
||Payment will be required when you speak to the agent. You will need to verbally verify that no losses have occurred up to and including the date of the call.
||Contact your agent or call 877-810-2920.
|American Family Insurance Group (AmFam)
||Make the payment and your policy will go back into effect.
||You’ll be charged a nonrefundable cancellation fee if the agent hasn’t received a payment 30 days after the bill was due. You must pay the cancellation fee no later than 5 p.m. on the cancellation date. If you don’t make this payment, the policy will be canceled and cannot be reinstated.
||Call 888-888-0080 or use the live chat feature at BristolWest.com. You may be able to get reinstated if you’re within 10 days of the cancellation, but only if you’re without a lapse. If you’re with a lapse, you have 30 days.
||Pay any past-due balance, the new premium owed, and a $35 reinstatement fee. Use the live chat or call 855-444-1875.
||You’ll be charged a $10 reinstatement fee if you haven’t had a lapse in coverage.
||Call your agent; you may be able to get your policy reinstated, or you may have to reapply for a policy.
||You’re only eligible for reinstatement if your policy has been canceled for less than 30 days, you haven’t had an accident during the cancellation period, and you’ve paid all of the owed balances as of the date you request reinstatement. Sign a no-loss statement and call 877-463-4732.
||You’ll have to pay a reinstatement fee and pay all of your installment fees.
||You can get your policy reinstated within 30 days unless you’ve had a lapse in coverage. If you use GAINSCOconnect.com, you have up to 7 days after the cancellation date.
By mail, you have up to 30 days and must send a no-loss statement if your policy is in good standing with all past dues collected, the policy is not already set up for nonrenewal, and you haven’t had any at-fault claims since the policy inception or prior renewal. You also can’t have any unacceptable risks or vehicles on your policy.
||You’ll have 30 days to reinstate the policy by paying a reinstatement fee and the past-due balance.
|Infinity / Kemper Auto
||You can get reinstated if there is no lapse in coverage, but you may need to sign a no-loss statement.
||Open the Root app and click underneath your inactive insurance card where it says “tap here to reinstate your policy.” Answer the questions and click “purchase” to be charged for your overdue balance. However, if it’s too late to reinstate, the option won’t be in the app.
||You can reinstate your insurance, but it’ll cost more depending on the length of the gap. If the gap is a month or less, you can pay about 9% more in premiums, or up to 48% more if the lapse is up to 60 days. If your lapse is over 60 days, you probably won’t be able to reinstate your insurance. Call your agent to discuss.
As you can see in the chart above, you’ll sometimes have to pay a fee to reinstate your policy. Clearcover has the highest fee we’ve seen at $35 (and you’ll probably have to pay your past-due balances as well).
Types of Reinstatements
There are two basic types of reinstatements: lapsed and non-lapsed coverage.
- Lapsed coverage: If your coverage has lapsed, it’ll be harder but not impossible to reinstate your policy. Talk to your agent to find out if they can reinstate your policy, but they could refuse service, requiring you to switch car insurance.
- Non-lapsed coverage: The process will be easier if your coverage hasn’t lapsed. It’s most likely you’ll just need to make the late payment, so long as you’re within the grace period for canceling as dictated by your state (see below for details). Learn more in our auto insurance FAQs.