In my state Michigan its usually about 6 months, but i would get insured before the experation date on your proofsincase the new isurance agency wants to see proof
I think you have to be in the military to have army car insurance. Because military members and their families move around a lot, they were penalized in the past. For example, people who were deployed often canceled their insurance policies while they were overseas. This caused a gap in their insurance, which insurance companies penalized. Now, many insurance companies (GEICO and the United Services Automobile Association, or USAA, being the first to develop such services) offer to suspend or have lower rates for people who are deployed. Thus they have no gap
The answer may depend on the dates when you were on FMLA leave as the law underwent some changes and is date dependent. In general, insurance may only be canceled if insurance payments were not made. But for this to occur, the employer must give you advanced notice that this will occur due to nonpayment.
The surcharge is part of the bill and I imagine your policy would get canceled if not paid in full eventually. If it does get canceled you will find it difficult to get insurance through another company and they can ding your credit for non payment but usually that take a few months depending on the company.
In most states an insurance company must report to the DMV of your state that your insurance is been canceled. This often results in your state suspending your drivers license unless you can prove that you do not have a vehicle, and that the reason your insurance was canceled was because you no longer have a vehicle. The license plate that was obtained for the vehicle must be returned to the DMV. If insurance was purchased for the vehicle from another insurance company, then you must provide proof that you have insurance from the new insurance company. If the actual owner of the vehicle bought insurance from another insurance company, then this should be easy to prove.
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