Hi guys. Need some help here. Due to some financial issue I wasn't able to have my car insured so I took the registration off since 9/2009 and been sitting on the drive way. Now I'm finally getting back on my feet. I would like to know there's any insurance company that would cover the months that it wasn't on the road. Reason I asked is becuase the car is being financed by the bank.

 

Wouldn't that be illegal to do?

 

Um no, thats not going to work, no insurance company is going to do that.

 

Not only that, now your insurance will be higher because of the so called "insurance lapse". They will be looking at you as someone who insures for the fist time, ignoring your previous insurance record, and your rate will be higher.

 

Reason why no insurance company would do that is because they don't know what occurred with the car during that lapse. There are some scenarios under what you described that have the potential to be fraudulent.

 

Yea there is no way around this.

Is the bank asking for proof of coverage? or is the insurance company asking for proof of prior coverage?