We changed auto insurance companies last fall. Our insurance was paid in advance and when it expired, we went to another company. Our old company has turned in into a collections agency because we "failed" to give them proof of insurance with the new company because they said they covered a 30 grace period after the insurance expired and we were to pay for it unless we gave them proof of insurance from another company. I thought that once a policy expired, it was expired especially if there was no contract involved. What are my legal rights and is this even legal?