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Definitions for Doctrine of lapse. Doctrine of lapse. The Doctrine of Lapse was an annexation policy purportedly devised by Lord Dalhousie, who was the Governor General for the East India Company in India between 1848 and 1856.
Policyholders have a set number of days â which varies by state and insurer â to reinstate coverage before it is terminated. The best way to steer clear of higher rates is to prevent a lapse before it occurs. Tips for avoiding a lapse in coverage include: Always pay your insurance bill on time. To avoid an accidental lapse, drivers should submit their car insurance payments as soon as possible, Worters says. Be careful when switching insurance providers. Buy the new policy and make sure that it's in force before you cancel the existing one, Worters says.