California E&S Insurance

If the bank that holds your loan finds out, they MAY issue their own policy for the time you were uncovered and then add that to your loan payment. That is what Wells Fargo will do, for example. But you'd have received a letter from them stating that they see you're uninsured and you need to provide proof or they will do it. Geico failed to tell WF that I renewed my policy in March, and two days ago I got the above-mentioned letter in the mail, so it took about 8 weeks for them to "discover" (erroneously) that they didn't have my insurance on file. When you get your new policy, it's POSSIBLE that your lender will note the uninsured period and charge you for it, but there's no way to tell.

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