"What options do I have if I was in an accident but only have expired insurance information?"

If the other driver is at fault, their insurance should cover your expenses, regardless of your expired insurance.

Having uninsured motorist coverage on your policy can provide coverage for damage to your vehicle caused by an uninsured driver.

If you're at fault and have expired insurance, you'll be personally responsible for damages caused by the accident.

Fines for driving without auto insurance range from $30 to $5,000, depending on the state.

A lapse in car insurance coverage can affect your ability to recoup financial losses from a car accident that wasn't your fault.

Insurance companies typically provide a short grace period (between 5-20 days) to reinstate your insurance without penalty.

If you miss a premium payment, your insurance company usually sends an email or letter notifying you that the premium is late.

You can reinstate your insurance policy if you're within the grace period, which usually lasts between 3-10 days.

Having a history of minimal car insurance coverage is an indicator of risk, leading to more expensive rates.

The longer you carry car insurance and the higher coverage level you maintain, the more affordable your rates will be.

Car insurance companies may use your credit score to determine your premiums, which can be affected by a lapse in coverage.

Some states have laws that require insurance companies to offer reinstatement options for lapsed policies, but the specifics vary by state and insurer.