Insurance | Lapse In Coverage | What Will Happen?

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If my auto or home insurance cancel, and I have a lapse in coverage, what will happen? Do you have to pay more if you have a lapse in coverage?

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What would someone do if they have a car and it’s just been sitting in the lot with no insurance (I work from home), and companies won’t insure you now? I have a clean record no accidents or tickets.

AndrewHerbst-id