Once your policy was cancelled you no longer have coverage. Hopefully the drunk driver has good enough insurance to take care of your damages.
No.
Yes. Non Payment of premium can cause a cancellation or non renewal of an insurance policy.
No.
Yes
Several answers apply here. First did you move and if so did you send your insurance company a change of address? Secondly did the accident take place before or after the effective date of cancellation? Insurance companies don't have to prove you received the cancellation notice, they only have to prove they mailed the cancellation to the last known address you provided them. If you move and do not send them a change of address, you are in trouble. Lastly, did you pay the insurance premium for which they cancelled you? If so produce your cashed check and they will have to reinstate your policy by most state laws. If you did not pay as required, then they cancelled you for non payment, and in all likelihood you are cancelled and have no coverage. If the accident took place before the date of cancellation, go see an attorney.
If you put medical insurance on the policy when the policy was purchased.
A lapse in your auto insurance is a time period for which you had or have no coverage. Either your policy expired and was not renewed on schedule meaning you missed your renewal payment or you missed a monthly payment and the policy was cancelled.
No. You will get a payment from the insurance policy if either * You are killed due to an accident or health issues or * You meet with an accident and are permanently disabled As long as you are healthy and alive, you will not get your insurance payout.
Well, normally you know when your payment is due. One day late and your out of luck. They must have given you plenty of notice, come one now.
First we would need to know why you were cancelled? As if you were cancelled for misrepresentation or fraud then you are in trouble, but if you were cancelled for non payment then just call up some other insurance companies and get quotes should be no issue, you may see a jump in your premium and thats unavoidable and you will have to live with it for around 3 years. If you were cancelled for underwriting reasons, inquire as to what that was so you can change it for the next insurance company. Condo insurance is very complex and although it is cheaper then most insurances for property it is the most difficult to adjust for a claim.
Not necessarily. In most cases you have to be notified in writing as to when and why you're being cancelled. Most causes of cancellation are from non-payment of premiums, and somewhere in the bill it states "policy can be cancelled if premium if not paid by due date". Otherwise, most insurance companies are required by law to notify you.
Call the company, Offer to make your payment and request a re-instatement of your policy.