What Happens When My Car Insurance Lapses? 
Well , first there is the obvious and that is that you will no longer have car insurance . NOw , most if not all states require the maintenance of auto insurance as a condition of registrationm so if the policy lapses , here in Connecticut and probably in most states , the insurance company will notify the state Department of Motor Vehicles of the lapse . DMV will then require that one shows proof that they had coverage elsewhere and if they ca n't then there is a fine levied and the registration is cancelled making the car illegal to drive on public access roads and highways . 