I was in a fender bender. No damage to my truck, but my bumper pushed in the handle of her minivan. We both have the same insurance company.
The day after I reported the accident, I received a letter that I wasn't covered for "non-payment" (I had moved and they sent the bill to my old address so I missed the due date). I payed my premium over the phone, but now I have a void where i am not covered (when the accident was). I still have the same policy number, the company still says I'm a Diamond Member (9 yrs) and previously, if i was late, they would "retro" the coverage. I've started receiving bills from a collection agency; it seems the woman I hit is going to town with her claim.
Are they allowed to not cover this? Was I actually "uninsured" at the time? The collection agency is threatening me with notifying the police as well. Am I looking at jail time for this?