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Does your insurance company legally have to give you a grace period after you are cancelled?


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Wiki User
2015-07-15 20:50:26
2015-07-15 20:50:26
Insurance Grace PeriodNo, any grace period would have passed before the policy went to cancelled status. Once the policy is cancelled that means any grace period that may have been afforded will have expired.

If you were still within any regulatory grace period then your policy will not be in cancelled status, it would be in cancellation pending status.

They are not legally obligated, most carriers do give you a time to re-instate however


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Insurance companies ask if you've had any accidents or traffic violations within a period of time. If you admit, your insurance rate will likely be higher. If you lie and the insurance company finds out (and they will), your insurance will be cancelled.

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Yes. Most health insurance policies have a grace period for you to pay that is mandated to be at least ten days. After that your policy is cancelled and you have a reinstatement period. That is mandated at either 10 or 30 days. After this period your insurance is lost for good and cannot be reinstated. you must re apply as a new member.

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When an insurance company decides to cancel your policy, they are required to give you approximately 15-30 day notice. The time period required depends on the reason for cancellation. The best thing to do is to call your state department of insurance. Be sure to have the letter from the insurance company available, so that you can read verbatim why you are being canceled. The Indiana Department of Insurance website is

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Is there really an outstanding balance? Did the company give you insurance beyond any grace period for some sort of promise-to-pay? If not, there should be nothing owed to the old company, and you could probably get re-instated with them. A new company will cover you as soon as you pay their first premium.

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Every state has their own guidelines, consult with a local insurance agent for more information.

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