What Happens When You're Late On Your Car Insurance? 
It is always best to make payments in a timely matter . But , when a problem arises , or you forget , their is a 30 day grace period in which you have time to comply , and catch up your payment . After the thirty day grace period your policy goes into cancellation status , and you have no coverage . You are still liable for the extra thirty days of premium . After the thirty day grace period expires , it is up to the carrier , onwhether they will will reinstate the policy or not . Most will , with a payment to catch up the account . Please be careful to never let a policy lapse for nonpayment , as this will affect your future rates and insurance score . WEBSITELINK 