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the scariest thing that you could have happened to you is your insurance lapse and you dont know about it and then they turn around and you get an accident thats probably the worst thing because now you are completely responsible for that entire accident youre a hundred percent out-of-pocket that could cost you everything if you want to know how to avoid this or prevent this in the future watch this video its gonna be less than nine minutes lets go theres a lot of reasons that insurance lapse the most common reason is you have a credit card on file and the card expires you dont make that payment you never receive that letter or never notice that letter so you dont get the information on time if youre on like a paperless statement typically theyll send you an email and if you dont read the email or it goes into spam it just never gets to you other ways is you just cant pay for it you miss the payment and now your two payments behind you just dont know what to do theres a f