| Your friend would need to prove that he paid the premium. If he paid by checks, his cancelled checks would be his proof. It's unlikely that an insurance company would cancel without notification. Does your friend read his mail on a regular basis? Some companies send their cancellation notices by certified mail - hard to prove you weren't notified if that's the case.
Getting insurance now won't help pay for the damage on the car since he already inquired to make a claim on the accident. You also say the car wasn't paid for.. assuming that means the car's under a loan agreement, would also mean he'd be required to have insurance on the vehicle and most banks require full collision coverage for a car on a loan since they want their money's worth if it gets totaled. The bank is the 'lienholder' in this case and is usually notified by the ins. co. if the insurance is going to be cancelled since they basically "own" the car until it's paid. The bank doesn't necessarily have to inform the insured that they received the notice since they assume the insured received the same notice.
I don't think he's got much to go on - unless Arizona has laws that protect people without auto insurance for a car on a loan.
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