DMV SR22 Filing Canceled Due To Late Insurance Payment?
Q: I only paid my car insurance ONE DAY late, and my car insurance company canceled my DMV SR22 filing. How can they do that?
A: Although some states do have laws which mandate a grace period for late payments to auto insurance companies, in Pennsylvania there is no such law. Individual companies are able to shape their own policies which may or may not allow grace periods for DMV SR22 filing if not paid on time, and some do while others don’t. If you are worried about this happening in the future, you have a couple of solutions.
While shopping for companies, ask ahead of time if your DMV SR22 filing will be canceled if you make a payment a day or two late. Even if a company does offer a grace period, though, remember that repeated exploitation of the grace period could still lead to car insurance cancellation because it shows you to be irresponsible.
Another thing you can do is have your company set up an automatic debit from your bank account for your DMV SR22 filing payments. In any case, this will work if your problem is forgetfulness rather than lack of funds. If you do this, many companies will offer you a small discount on your premium as well.
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