Q: My husband and I wrecked our motorcycle a few years ago and we we're unaware that our insurance had lapsed
A:
The insurer is required, by statute, to let you know, in writing, that your insurance has lapsed. Most insurance companies make the advisement BEFORE the policy expires/lapses. If you were paying, monthly, there would be no opportunity to write to you before the policy lapsed or they would be sending you a letter every month. If you were paying monthly and there were insufficient funds or you simply forgot to pay, you will be understood to have Notice of the policy expiring.
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