Thank you BruceLeejr.
I spoke with my attorney (in a separate matter, but he handles personal injury as well) this morning. He stated that he has come across similar situations before. He stated that if it comes down to it that since in the past my insurance company accepted payment and reinstated the policy after it was cancelled and did not ask or require me (or Dh) to sign anything saying we were not in an accident during that period nor do they issue new insurance cards and declarations stating a new "effective date", that they simply continued the coverage as if it had never lapsed that he could argue that Dh "acting in good faith" when he made the payment had a reasonable assumption that by them accepting the past due payment not deducting any pro rated amounts for the days which we had been cancelled that they were re-instating the policy retroactive to the date it had been cancelled and therefore would "estop and waive" their rights to claim that I was not covered when the accident occured. It made sense to me when he was explaining it. I hope he is right.
I spoke with my attorney (in a separate matter, but he handles personal injury as well) this morning. He stated that he has come across similar situations before. He stated that if it comes down to it that since in the past my insurance company accepted payment and reinstated the policy after it was cancelled and did not ask or require me (or Dh) to sign anything saying we were not in an accident during that period nor do they issue new insurance cards and declarations stating a new "effective date", that they simply continued the coverage as if it had never lapsed that he could argue that Dh "acting in good faith" when he made the payment had a reasonable assumption that by them accepting the past due payment not deducting any pro rated amounts for the days which we had been cancelled that they were re-instating the policy retroactive to the date it had been cancelled and therefore would "estop and waive" their rights to claim that I was not covered when the accident occured. It made sense to me when he was explaining it. I hope he is right.