Can I reinstate my car insurance in Texas after it was cancelled for non-payment?

Can a Texas insurer reinstate a personal auto policy cancelled for non-payment?

The Texas Insurance Code addresses reinstatement of a personal auto policy that an insurer cancelled for non-payment of premium. The Texas Legislature allows an insurer to cancel a policy if the named insured does not pay any portion of the premium when due.² The reinstatement rule, as the Texas Legislature states it, reads:

An insurer may reinstate a personal automobile insurance policy canceled for nonpayment of premium if the premium owed is paid not later than the 60th day after date of cancellation.

What happens to coverage between cancellation and payment in Texas?

Period	Coverage and premium under Texas law
The date of cancellation	Coverage lapses
Until the insurer receives the payment	Coverage is not again effective
Any period in which the policy is not in effect	Premium is not owed

The Texas Legislature states all three rules in the same provision.¹

What happens if a policy that backs an SR-22 lapses in Texas?

DPS says driving privilege and vehicle registration may be suspended if DPS is notified that the SR-22 on file was cancelled, terminated or lapsed and no new SR-22 was filed before the cancellation.³

What the sources do not state

The sources used here do not say whether a particular insurer will reinstate a policy.

Next step

DPS explains the SR-22 rules on its SR-22 page. The filing lookup tool is where to look up filing details for a situation.