anotherwalker
New member
So back in May I was in a no-fault accident and totaled my car by hitting a guard rail due to mechanical failure. Once that happened, I went through the claims process and everything my insurance ended up getting canceled because of the car getting totaled now it is September and I’m trying to get a car but I’m trying to get a insurance quote and everyone is saying I have a lapse of 31+ days? I thought a lapse is when you have a car but no insurance I had insurance but no car, so what is that considered and how do I get situated or cleared up? I need to get a car, but I can’t because of this issue. There were some other issues as well preventing me from getting a car. And yes I’ve tried Geico. I can’t get a quote with Progressive due to this and due to me living in New York, My insurance options are quite limited. It also doesn’t help that I’ve had two other no-fault accidents in the past three years. And yes, the reason why I’m getting denied is due to “ recent lapse of insurance”.