Car insurance: what happens if you forget to pay? - Top10listverse is a website provides information: aliens, ufo, tips –>


Car insurance: what happens if you forget to pay?

What does the law provide if you do not pay auto insurance within the time limits because you have forgotten the deadline? Will the coverage still be valid or not?

Between deadlines and various commitments, you can forget about paying the auto insurance premium . What does the law provide in this case? Let's see what are the consequences of not paying the premium or the first installment.

Insurance premium paid late: what the law requires

Article 1901 of the Civil Code illustrates the consequences of failure to pay an insurance premium. The article consists of three paragraphs and, in each, explains what happens:
  • if you do not pay the premium or the first installment within the terms of the contract;
  • if you do not pay the premiums after the first one;
  • if the insurer does not require payment of the premium.
In the event that you forget to pay the premium upon expiration or the first installment, if the contract provides for payment by installments, there will be a suspension of the insurance coverage until midnight on the day on which you will pay the amount due.

In the event that the non-payment refers to a premium subsequent to the first, the suspension of the insurance coverage will be activated from midnight on the fifteenth day after the deadline.

Car insurance: when the contract is resolved by law

The third paragraph of article 1901 of the civil code explains that if the insurer does not request the payment of the premium within six months from the deadline, the contract is automatically resolved. The insurer can only ask the insured for payment of the premium provided for in the contract and reimbursement of the costs.

The terms for the suspension and the rules for the "ope legis" termination of the contract apply to all insurance contracts with the sole exception of life insurance contracts.

There is another important clarification to make: in the case of car insurance, the insurance company cannot proceed immediately with the suspension of coverage. The sentence of the Court of Cassation n. 25130/2010 has in fact clarified that:

The issuing of the insurance label obliges the RCA insurer to compensate the damages caused by the circulation of the vehicle, even if the insurance premium has not been paid.
Share on Google Plus


About Minh Hiếu

Le Minh Hieu is a national-level weightlifter and a Singapore Weightlifting sports performance coach. Hieu's biggest passion is helping everyone find confidence, happiness, and health through fitness.


  1. The destinations you have alluded was great. A debt of gratitude is in order for sharing...
    auto insurance

  2. Wow, What an Outstanding post. I found this too much information. It is what I was seeking for. I would like to recommend you that please keep sharing such type of info.If possible, Thanks. car insurance | travel insurance

  3. Great post! Other than insurance you may want to know How to Get Help with Your Medical Bills After a Crash.


  4. The basic car insurance is a quick and inexpensive fix for people who are currently driving without insurance, Tire & Wheel Protection or who cannot get regular automobile insurance coverage because of their credit rating, or their driving record.

  5. It is a good site post without fail. Not too many people would actually, the way you just did. I am impressed that there is so much information about this subject that has been uncovered and you’ve defeated yourself this time, with so much quality. Good Works! Car Insurance Comparison Website

  6. correctly written serve. it will likely be worthwhile to anyone who makes use of it, counting me. maintain taking location the amenable produce an effect. For certain i can overview out more posts morning in and morning out. car insurance policy

  7. I recently found many useful information in your website especially this blog page. Among the lots of comments on your articles. Thanks for sharing. first car insurance

  8. As an end-result of this administration of danger bearing, the protected pays the insurance agency a sum on normal premise. This sum is known as premium. Best GPS Trackers for Car

  9. This would incorporate zoom, center, digitalize, conditioning and other picture improvement instruments. This is extremely powerful in improving the magnificence and allure of a vehicle. Best Car Air Compressors

  10. Car rental in Costa Rica is an occasion to investigate the distant sea shores and calm corners of this stunningly lovely nation. Travel without the limitations set by open vehicle schedules and with opportunity over gathering visits. Used RV Dealer