If you stopped paying on your car insurance policy it would cancel due to non-payment and cause problems for you. One problem would be that this cancellation will appear on your credit history as non-payment and not only be a black mark on your credit report but also make it difficult to find auto insurance in the future. Many insurance companies will not want to insure someone that has previously not paid on their policy.

Once your insurance lapses, due to non-payment, your insurance company would send the GA Department of Revenue (DOR) a notice of insurance termination. When the DOR sees that you are uninsured a Notice of Lapse Mandatory Liability Insurance Coverage will be mailed to the vehicle's registered owner. This notice will request the payment of a $25 lapse fee and require you to show proof of valid insurance coverage within 30 days.

If you fail to pay the fee and obtain insurance, it will result in the suspension and/or revocation of the vehicle's registration. To drive while the registration is suspended is a misdemeanor. If found driving without proof of insurance in GA you will be also be subject to fines and vehicle impoundment.

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