What is the name of your state (only U.S. law)? Louisiana
This is the craziest and most stressful situation ever!! I left my house yesterday to go to work and on my way out the door told my husband to pay our insurance policy which had lapsed 3 days earlier. I had to wait until I got paid which was yesterday to pay it. I left and about 15 minutes later I was in an accident about 5 miles from my home. My husband had just paid the policy (or was paying as I was in the accident), we aren't sure. When I called to tell him I had just been in the accident he freaked because he said he had just paid the policy. The accident wasn't my fault I hit someone who ran a red light. I know LA. has a No Pay No Play law, but we are confused as to whether we will be considered covered for the accident. The insurance company told my husband when he paid it that we were covered as of the time he paid the policy. I made a claim with the other persons company and they said they were calling to verify my coverage. Will my insurance company just tell them I was covered that day or will it get down to the brass tacks of exact times of coverage and time of the accident. They're company didn't ask me what time the accident happened only what day. I'm not sure exactly what time my accident happened as I freaked out for a good 15 or 20 minutes and nearly went into shock and the paramedics threatened to take me to the hospital if I couldn't calm down. So who determines what time an accident happened is it when police arrive on the scene or EMT or what? if it does come down to what time the accident happened in comparison to when the policy was paid? I know crazy how Karma works...We have really really bad luck!!!