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Lapsed Policy

A lapsed policy refers to insurance coverage that has not been paid. In auto insurance, a lapsed policy may refer to 30 to 60 days of being uninsured. Not only will a lapsed policy affect your legal driving status, but it may also cost you more to reinstate. It’s best to ask your insurance carrier if they have a grace period in paying your premium.

It’s important to secure your auto insurance in the State of Illinois as you may be fined for driving without coverage. If you get caught driving without insurance, you will be made to pay $500 to $1,000 for first and second offenses. Additionally, your license will be suspended for three months with a $100 reinstatement fee, and your vehicle registration will also be suspended. Meaning, you or another person – even someone with a license – may not drive the vehicle around.

We see you as a person, not just a client – and that makes us better at what we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put people first.
A lot of personal injury lawyers raise their contingency fee throughout the process, charging 1/3 if the case is settled pre-suit, charging 40% if the case is filed after a lawsuit is filed, and charging 50% if the case goes to trial. We don’t. At Mike Agruss Law, our personal injury contingency fee is always 1/3 and that’s not changing. We will handle your property damage claim FOR FREE. We will never change our contingency fee throughout the process. You will not owe us a penny unless you get money. Our unique formula has earned us over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 145 five-star reviews on Google. Call 888-572-0176, e-mail us at [email protected], or schedule a meeting with us here. We’re here 24/7.

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