I was at fault,small fender bender to the car I hit. my front end broke due to their car having a steel bumper. no one hurt. we all gave our insurance when police came,I got a ticket for the accident. everyone else was fine and able to drive off. my car on the other hand wasn't and so I called my insurance to file the claim. everything was going well reported it and gave all the info they asked, when they asked if I need a tow,I said I think so, so they transferred me to a different line to set up a tow since its apart of my coverage. once I gave my policy number again to the insource they said my policy was canceled. when I asked why was it canceled since my insurance doesn't expire for another 3 months. come to find out they said my auto payments weren't going thru for three months. and said they emailed me. what do I do?I didn't know. so what are my options in order to fix the problem. I immediately payed the ticket because I was at fault for the accident no harm no foul, I did show proof of insurance, but now that they said I wasn't insured I paid what I missed bec I have to have insurance in the state.I understand I was at fault, just wanna know how 2 fix this so its not wores
Unfortunately, I think you are past no worries. Right now, you have to make good on the damage to the other driver(s), if you are unable to, you may be facing a suspension of your license. If paying for the damage is not doable...speak to a bankruptcy attorney
Well, unless you actually did make the payments they say you missed, you are going to be out of luck as far as being covered for this loss. Your insurance policy, a binding contract between you and your insurance company, is bound by contract law. No payment of premiums means no coverage. You have to give consideration to the insurance company (payments for premiums) if you expect to be covered.
You are now going to be personally responsible for any and all repairs to your vehicle as well as any and all damages to the other vehicle as well.
Good luck in sorting this out. I would suggest you immediately begin payment again on your policy so it can be reinstated so this does not happen again. Next time, keep a better watch on your bills so you don't get cancelled again.
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