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If you are truly not At Fault and the other insurance company is admitting liability then you should have no problem. As a side note I have heard of periodic rumblings that some states may enact a "pay to play" law. This would mean that even the "not at fault" party in an accident would have to have a valid insurance policy at the time of the accident in order to receive payment from the "at fault" driver's policy.

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Q: You missed your insurance payment by two days had an accident that was not your fault is the other party pay for damages to your car through their insurance?
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