Florida does not have a grace period for car insurance payments. While other types of insurance, such as life, may have a grace period in which to pay and get your insurance reinstate auto insurance does not.
In Florida, the insurance company needs to give 10 days notice of cancellation of an auto insurance policy. This is typically done by insurance companies mailing bills to policyholders at least 10 days before the due date advising that the policy will cancel on a specific date unless the premium is paid. These companies may then cancel the policy of those who fail to send payments on time.
You can check with the Florida Insurance Regulator for more information on the subject of a grace period.
The Florida Department of Financial Services states that an insurance company may stop covering you by either canceling your policy or refusing to renew it. An insurance company may also transfer your policy to another insurer. A company may cancel your auto insurance under certain conditions, regardless of whether you have a binder, or proof of insurance.
[Let CarInsurance.com help you find affordable auto insurance now.] Once the binder is issued and before the actual policy is issued, the company may cancel your coverage for any valid reason but must give you five days written notice. Once the policy has been issued, the company may cancel your policy during the first 60 days of coverage for any valid reason, but must give you 45 days written notice, or only 10 days notice if your premium check bounces.
If your insurance company cancels your policy, it must refund any unearned premiums, or money paid in advance but not yet used, that is owed to you.
Valid reasons for canceling a policy or contract include misrepresentation by the policyholder, or simply that the policyholder is not eligible under the company's underwriting guidelines. The company may cancel your policy after 60 days only if:
- you provide misinformation on your application or file a fraudulent claim. The company must give you a written notice of at least 45 days before it cancels the policy;
- the state suspends your driver license or vehicle registration. This also applies to any driver who lives with you or regularly operates a vehicle insured on your policy. The company must provide you with 45 days written notice before it cancels the policy; or
- you do not pay your premium. Your company must give you 10 days written notice before it cancels your policy. Many companies meet this requirement by simply mailing bills to policyholders at least 10 days before the due date, advising that the policy will cancel on a specific date unless the premium is paid. These companies may then cancel the policy on the listed date.
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