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Send whatever notice the mva sent you to your insurance. Your insurance needs to provide a specific form to the mva. They are experiencing significant delays in processing things right. My vehicle insurance inadvertently lapsed for a period of a couple of weeks. Received notice from maryland mva. Situation has been straightened out with geico, and i am current and in good. Interactive voice response (ivr). If a lapse in coverage is confirmed, the mva will assess the vehicle owner a penalty for each. Driving in the state of maryland and letting your car insurance lapse can be a very serious offense, even if you were unaware of a lapse in your coverage. Maryland state law has.