Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
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It is important that you protect yourself by having car insurance at all times. Letting your car insurance lapse isn’t uncommon, but it can be costly. Whether the lapse was on purpose or your policy was canceled because you didn’t pay your car insurance bill, your rates might go up. If an insurance company sees that you had a period of time with no insurance, they might consider you a higher risk. Driving without insurance could also result in fines, tickets and a suspended license, depending on the rules in your state. It’s important to keep continuous car insurance coverage, even if it's the minimum amount your state requires.
You may have a lapse in coverage because you missed the due date on your monthly car insurance payment. If it’s only been a short period of time, your insurance company may allow you a grace period. State laws require that your insurance company notify you before canceling your policy completely. You’ll have between 10-20 days, depending on where you live, to make your payment and avoid a car insurance lapse.
If you’re in a car accident while driving without insurance, you could be held financially responsible. You will likely have to pay out of pocket for any property damages or injuries as a result of the car accident. The best way to make sure you’re protected is to keep continuous coverage and avoid a car insurance lapse by: