We did not realize our insurance lapsed (2 day window) until we went to file claim. The at fault driver was in spouses car but had no valid license therefore spouse insurance denied claim/liability. She was not supposed to be driving the vehicle.Accident happened in school parking lot, slow speed. No police report as both parties thought they had insurance. It was not until after claims made that we realized our insurance had lapsed due to late payment and the at fault driver was excluded.
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