Insurance Lapsed in WV? Start Here.

WV & OH ONLY

WV & OH ONLY

"My car insurance lapsed in West Virginia. What happens now, and can I still get covered?"

I know this is stressful. You're not the first, and it can be fixed.

Yes, you can still get covered, and that's the first thing to do. West Virginia can suspend your license and revoke your registration for a lapse. Getting insured today stops the problem from growing, and we can look at companies that write people in exactly this spot.

Getting back on your feet after a lapse should cost less than it does. We'll track down the best rate available to you today.

Some companies won't take you right after a lapse, and some do it all day. We know the difference, so you aren't calling around getting turned down.

Plainly put, I'd like a shot at your quote. If you're uninsured right now, that's the right call to make.

Don't count on one. Your company may give you a little time on a late payment, but once a policy has ended, you have no coverage. Check your notice or call us.

Under West Virginia Code 17D-2A-7:

• First offense: 30-day license suspension, continuing until you show proof of insurance on all your registered vehicles.
• Second offense within five years: 90-day license suspension, and your registration is revoked until you show proof.
• Notice: sent by certified mail at least 30 days before it takes effect.

On a first offense, the law lets you avoid the suspension and revocation by getting back in compliance and paying a $200 penalty fee before the effective date.

Reinstating a registration canceled for no insurance is $100, or up to $150 if it went to the State Police.

You have 10 days after getting the notice to request a hearing. It's limited to identity and whether insurance was in effect. Send proof of coverage.

1. Don't drive the car until it's insured.

2. Call us and get a policy in place.

3. Open every letter from the DMV and watch the dates.

WV & OH ONLY

Next in the series: Part 7, Ohio Suspended You for No Insurance?