Why would a good driver have trouble reinstating lapsed auto insurance?

Never let your insurance lapse - cancel it instead. Lapsed insurance is canceled insurance due to non-payment of the premiums. Letting your insurance lapse is different that canceling the insurance. Insurance companies look at lapsed insurance as a financial problem with the insured - can't afford the premiums. Those with financial problems are more likely to file a claim (legitimate) and use the money to fix their financial problem (legal to do that).

She's a cop wannabe. You said you needed a 3 day tags so you can get the car fixed. She said, "Oh, so it's drivable." She apparently doesn't know the difference between a broke car that needs fixing and one that's drivable. It's none of their business what you have been driving - just tell them you've been walking, flying, hitching, etc.

if you let the insurance lapse, no one has any way of knowing if you drove it or not-and there are way more dishonest people out there than honest ones. sorry, but you DO have a lapse, and so lost that discount, also, make SURE the tag was expired when you let the policy go, because you could have a suspended license. I hope you are listed as a driver on her policy, as you are required to be if you drive her car more than once, so you can prove you were covered somewhere(which will pretty much shut them up on that score).

coverage is going with the motor vehicle, not with the driving force, so while you're utilising your brother-in-regulation's vehicle along with his permission, you're lined. between the questions you're asked once you bypass to get coverage is "Are you presently lined?" If particular, no issue. If no, there could be a issue the place you will possibly initiate over at in all probability bigger costs, except there replace right into a stable reason for not having it. i might guess that not having a vehicle may be a exceptionally stable reason for not having coverage. How long will or not it particularly is earlier you have a vehicle of your individual? If it particularly is in simple terms a little while, i might in all probability leave or not it particularly is and evade any confusion. If it's going to be over 6 months, i might cancel and clarify why whilst the time includes initiate it lower back.

well if they are not happy to take your money i,m sure another insurer is.

the girl sounds inexperienced and naive.

i would definitly ask to see her manager as she does not seem to realize the value you represent as a willing and paying custumer.

go to a different insurer, I guess they don't deserve your money