Walk It Through: The Lapsed Policy
An insurance lapse, a suspension notice, and six points on the record.
An owner's car insurance lapses during a move, and the car sits parked until the new policy starts.
Two things a person in this spot might do. Picking one shows what the law says about it.
One owner and one car. How much coverage the law requires, the owner's own suspension for driving uninsured, and a second trip to six points are not worked through here.
A practice walkthrough, not a prediction of how any real one will go. Legal information, not legal advice.
Words this turns on
Terms with a legal meaning that is narrower than the everyday one. Each links to the definition and the authority behind it.
- Driver improvement schoolThe school the department requires, or a special examination instead, the first time a driving record reaches six or more points. Completing the school removes four points.
- Operating privilegeThe privilege to drive, which once suspended, revoked or cancelled may not be used on a highway or trafficway until it is restored; doing so is a summary offense with a fine of $200.
- Financial responsibilityThe insurance a vehicle is required to carry. A registered owner is deemed to have consented to produce proof of it on a police officer's request.