Enfield, CT asked in Car Accidents for Connecticut

Q: Are auto insurance companies legally responsible to report the cancellation of insurance to the DMV?

We didn’t realize our auto insurance policy was cancelled. I now got into an accident where I will most likely be at fault because I was crossing traffic. We just renewed our registration in February and they’re saying our policy was cancelled over a year ago. Do we have any legal right to fight with insurance company since they didn’t report the cancellation. If they had, we would’ve received notice from DMV, not been able to renew registration, and our car loan lender would’ve also taken out a policy on vehicle during lapse.

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1 Lawyer Answer
Peter N. Munsing
Peter N. Munsing
  • Personal Injury Lawyer
  • Wyomissing, PA
  • Licensed in Connecticut

A: Not as you've phrased it; they may be supposed to send a notice to DMV but that doesn't help you. However the insurance company must notify you and your state insurance commissioner will tell you what that method is.

The problem is if you moved and didn't tell the company. Did you stop getting bills? Did you think you had free insurance? But see what method they say they used to notify you.

Your big problem now is that if you don't have insurance and don't make the other person whole your license can be suspended.

If you're not totally sure you were at fault, get the police report, and contact a member of the Ct Assnfor Justice--they give free consults.

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