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Knowing your insurance company s grace epoch is key to keeping your coverage in force.

Insurers bear the risk that you ll have a claim, as a result they expect to be paid for the coverage, says Don Griffin, vice president of personal lines at Property Casualty Insurers connection of America, an industry trade group.However, insurers will end accepting claims a few weeks after your premium is due.When you pay your premium, they unlock (claim) payments, says Matt Tassey, in imitation of chairman of the Life and Health Insurance foundation for Education.But in the same way as a life insurance policy lapses, it may be difficult to reinstate.Your insurer may require you to deed supplementary evidence of insurability, such as undergoing a medical exam.