Lapse in Maryland Auto Insurance – What to Do?
Reader’s Question:
I own a motorcycle in Baltimore Maryland and every year I cancel my insurance when Im not riding the vehicle.Since this was considered a recreational car so you can cancel insurance coverage. I have had the same insurance company since 2001 when I bought the motorcycle, my car is also insured through them. I never had a lien holder on the motorcycle and never turned in the tags. I was told that there was a lapse in car insurance three months ago. I have never been notified of a lapse before. The fees in Maryland are extremely high and I think I have to show coverage from the date of lapse. What do I need to do?
Arthur
Baltimore, MD
The Maryland Motor Vehicle Administration (MVA) states that when you renew or register a vehicle’s registration you sign an insurance certification form. Your signature on this certification form acknowledges that the minimum car liability insurance will be maintained throughout the registration period.
The Maryland car insurance law requires that all motor vehicles registered in Maryland be insured and carry coverage of 20/40/15. This will also include motorcycles which is considered a motor vehicle and not a seasonal recreational vehicle.
If you had turned in the registration card and license plates when you canceled your insurance and stored the motorcycle and then re-registered and got new insurance on motorcycle when you were ready to use it again, then you would not have been found to have a lapse in insurance.
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