In a study handled by the Insurance Research Council, statistics show that approximately one out of every seven drivers lacks auto insurance coverage. Many times these people are already living from paycheck to paycheck and cannot handle the cost of insurance, especially if they’ve had offenses like serious speeding tickets, accidents and DUIs that drive up the cost of insurance. Despite this, there are other reasons why an auto insurance policy can lapse.

A lapse in insurance occurs when you haven’t paid your bill on time, had a policy cancelled by the insurance company due to serious accidents or have cancelled your auto insurance before you have a new insurance policy in place. Many people believe that you have to cancel your old policy before you start looking for a new one. This is never true. Always wait until your new policy is in place before canceling your old one.

Before leaving on an extended out of country vacation or being deployed, talk to your insurance company. Canceling your insurance for an extended period of time, regardless of the reason puts a lapse on your record. This can lead to higher rates in the future. Instead, look into a non-owners policy that covers you in any vehicle so that you have continuous insurance, but not for your own vehicle.

Every state is different. If you are moving to a new state, you might think it is perfectly fine to use your current insurance company no matter where you live. This is completely untrue. States like New York and New Jersey require you to buy auto insurance through a state approved insurance company.

Many people believe that paying their auto insurance premium a few days late doesn’t matter. The truth is that insurance companies expect payment by the due date. Failure to pay will cause a lapse in your insurance. If you do not pay by the date specified in the reminder, your auto insurance coverage can become canceled. If you are in an accident while your insurance is lapsed, you are not covered! Even if you are only a few days late, your coverage lapses until the payment clears your insurance company.

If your insurance has lapsed and you are in an accident, you can be held accountable for any damages out of your own pocket for both your vehicle and any other drivers/vehicles involved. Should this happen, seek the advice of a lawyer. Not only will you be under a financial strain, but also you can lose your license and in some states your vehicle can be impounded, worse you can face jail time.

One new technology to land on the shelves, is $10-a-month software by WQN Inc. based out of Dallas, it can disable a mobile phone while its owner is driving. It uses GPS technology, which can determine the speed a person is moving. But it can not determine if the person is driving – and therefore it can unwantingly lock a phone. WQN, who offers cellular phones and Internet security software for sale under the name WebSafety, says it had about 50 customers sign up for service during there first month.

Aegis Mobility, a software company based in Canada, plans to start offering a similar Global Positioning System-based devise this autumn, known as DriveAssistT. Aegis is speaking to big U.S. wireless telephone companies, who they need to support the software and charge customers a fee of around $10 to $20 a month, said the company’s vice president, David Teater.

The DriveAssistT system will cut off a mobilephone at driving speeds and relay a message to callers or texters saying the mobilephone they are trying to get in touch with is currently driving. But because that individual could be a passenger in the automobile, this might not exactly solve the problem.

Other concepts or products that don’t involve GPS systems have flaws of their own. As a result, Parry Aftab, adviser to families on tech issues and safety, suggests concerned parents should figure out another way to stop their teenagers from calling or texting while driving. Parents would be better off taking away a teenagers cellular if they are not using it properly, she said. discount auto insurance may be possible in the future if a devise is made to stop cell phone use while driving.

Growing concerns around driving while gabbing or texting on a mobile phone in mounting, even if using Bluetooth technology, is extremely dangerous. The National Safety Council said just this month that cell phone use should be totally banned while driving. The stats show a higher risk of accidents and deaths one driving will using a phone and one of the best ways to get inexpensive auto insurance is to have a clean record.

Currently there are at least 18 states restricting cell phone use – texting or talking- for some or all drivers, according to the Insurance Institute for Highway Safety. Even with these laws in place it hardly prevents motorists especially young drivers from using their cell phones while driving.

It’s critical for parents to ask themselves whether they want to prohibit their teenager’s activities in this way. Your child might not be driving, but instead sitting on a train, bus or be a passenger in a buddy’s automobile.

Smart kids will always discover a way to get around technology, it’s human nature to try to defeat the system. Instead, try to educate your children about the dangers of combining phones with driving.

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