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What Are the Risks if Auto Insurance is Suspended or Canceled During the COVID-19 Pandemic?

Severe restrictions on travel, health fears and closed workplaces have sharply curtailed automobile traffic during the COVID-19 pandemic. Accidents have dropped so much that many auto insurance companies are providing refunds to policyholders. People who are stuck at home and facing financial distress might be tempted to cancel or suspend their coverage. However, if an accident occurs, serious trouble could lie ahead if you or the other driver lacks proper insurance.

In a time when many people are struggling financially and quarantine orders cut back automobile usage, it seems more likely that motorists might give up their coverage. This raises several issues, such as:

  • Alternatives to cancellation — During the pandemic, many companies are open to helping out customers with payments. Your car insurer may grant a temporary suspension of payment that reduces or eliminates coverage while a policyholder is not driving, but permits him or her to resume coverage later at the same rate. This differs from a lapse in coverage that might lead to higher costs when a driver looks to resume their insurance.
  • Potential consequences when someone lacks car insurance — Without car insurance, a driver might be personally responsible for any damage or injuries suffered by others or themselves. These medical costs could run into the tens or hundreds of thousands of dollars if the collusion results in a serious injury. In addition, many states require car insurance by law and may ticket or fine drivers for not having insurance. Other jurisdictions prevent personal injury recoveries for those who lack auto coverage.
  • Recovering damages from an uninsured motorist — After being hurt by a driver who is uninsured or lacks sufficient coverage, obtaining proper compensation for the harm you’ve suffered might be difficult. In numerous states, individual drivers are required to have uninsured motorist coverage to address medical costs in these situations, but that might not cover the entire medical bill.

If you have been hit by a driver who is uninsured or have been in an accident and are unsure if your insurance coverage applies, a knowledgeable automobile accident attorney can help you understand your options and represent you in claims matters as well as litigation.

Contact an experienced auto accident attorney for a consultation       

Owens & Mulherin represents clients in auto accident cases and other vehicle collision litigation. Please call 912-212-2100 or contact the firm online to make an appointment.

Reviews From Our Clients
  • "I was pregnant and injured in an automobile accident. Mr. Owens, personally, came to the hospital. He told me he would handle everything, I just needed to get healthy for the baby and myself. Mr. Owens did everything he said he would. I highly recommend Owens and Mulherin. Everyone in their office is friendly and informative. You're not just another client with them, they genuinely care." - Lindsay Chadwick

  • "Highly recommend working with this group!! They are very friendly, understanding, caring people and very easy to talk to. They Gave us plenty of time to talk with them. Did not make us feel rushed and explained everything thoroughly. Made the experience the best possible and we had a positive outcome during a tragic time. Thank you to the attorneys and entire staff." - Cindy Shuman

  • "I found Mr. Owens to be very professional and extremely sympathetic towards my needs as a result of my injuries. His experience helped guide me through my case and we ultimately won in the end...settled out of court! Thanks for all your help!" - Diane Calahan

  • "Following an automobile accident I sought representation from Wil Owens. Throughout the process he and his staff were always very kind, informative, and diligent in protecting my rights and interests. I knew my case was minor comparatively speaking, however, they never minimized the importance of my situation or claim. I would highly recommend this local law firm!!Sincerely,Christi (Fry) Vinyard" - Christi Fry

  • "This was my first time having to get an attorney and my experience was great. They make sure you fully understand everything that's going on and make sure the case is settled in your favor. I highly recommend this attorney office if you need one." - Dee James

  • "Absolutely 100% the best law firm around. I was completely blown away by the staff with all their generosity and helpfulness every step of the way. Wilbur Owens is hands down the best attorney I have ever met. He was caring, professional, and helpful in all aspects of my case, from the very begining with all my treatments to the very end with my settlement. He was highly recommend to me and I have heard nothing but great things about him and his firm. They truly are the best around and if ths need were to arise again in the future I will gladly come to the law firm of Owens and Mulherin. Wonderful people and they gave me my life back as well as piece of mind, and for that I am and always will be truly thankful." - Courtney Graves

  • "I had a good experience with Mr. Owens and Ms. Teresa. They were very professional and was on point. It was a long process but it was worth the wait. I would recommend anyone to this lawfirm." - Ashley Robertson

  • "My thanks to Mr. Owens and his crew. After getting injured at work , and not knowing what to do I found them thru a local web search. Everyone in the office was great, Will walked me thru my case and explained how it would go. After everything I would highly recommend this law firm. I can't say enough of Mr. Owens and his staff . Thank you for your help!" - Mark Kalla

  • "I worked with Mr. Ownens and his team for my most recent accident involving 2 uninsured motorists, and I am extremely pleased with the way my case was worked, as well as the outcome. I cannot say anything negative about the law firm whatsoever, but I can tell you that being hit by uninsured vehicles is a nightmare." - Nic Schuman

  • "Loved working with me. Mulherin. Didn’t make me feel rushed or pinned against a wall. He gave me the beat and worse case scenario. Went to bat for me when the insurance company thought they could get away with being cheap. Brooke was amazing to work with to. Always answered calls or emails in a timely manner." - Natasha Campbell

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Wilbur D. Owens Attorney Photo
Wilbur D. Owens
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Mr. Owens devotes his practice exclusively to representing plaintiffs in personal injury and wrongful death claims. His primary focus is automobile/tractor-trailer accidents, dog bites, slip/trip and falls, medical malpractice, injuries from dangerous products, job injuries and nursing home abuse. Before joining forces with Mr. Mulherin to open Owens & Mulherin in 2001, Mr. Owens worked…

Joseph A. Mulherin Attorney Photo
Joseph A. Mulherin
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Mr. Mulherin represents individuals in personal injury cases. His primary practice areas are automobile accidents, tractor-trailer collisions, medical malpractice claims and workplace injuries. Before forming Owens & Mulherin with Mr. Owens in 2001, Mr. Mulherin practiced at Bouhan, Williams & Levy, LLP, from 1984 - 2000, representing both plaintiffs and defendants in personal injury cases.…

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