I recieved no notice of my car insurance being cancled and found out when I went to call in a accident help?

On 7/19/07 Was in a car accident at aprox 4:30pm I have been insured with state farm for quite some time and around the new yea I switched my insurance from a office in Mount Airy Office (Sherrie Cats) to Felicia Everett's office in the cases where i had to run to the office for service on my account ect and because it was close to where i currently lived. My insurance was going great until my car when I first switched to Felicia's office conked out and I had to buy my Cobalt I started to get some weird charges and discrepancies going on that was in April time frame, Upon calling state farm on 7/19/07 to report my claim I was told my car insurance was canceled 7/9/07 and that I was sent a notice telling me that... I never was sent any notice or even called to inform me what I was to be canceled or was being canceled or even that I missed a payment ect.... I have 5 witnesses to that. I paid my insurance by direct debt most months and if I had the money previous to the due date the 20th of the month I would run a money order there just to get it off my plate. I paid $208 a month. I could not talk to Felicia on the 19th because by time accident had happened and I got the info to call her she was closed for the day. On 7/20/07 I called the office that supervises Felicia's office to complain about what I was told. The lady listened to me then called Felicia and was told that I had a returned check back in May ect. I was shocked because I paid in MONEY ORDER in may (I have the stub to prove it) before my monthly insurance payment was to be taken by direct debt from my account at M&T Bank. For the record M&T bank says that no money was even taken nor returned to them that month. I never had received any returned check ect from the office nor no notice from the office by mail or by phone that a payment was returned missed ect. Also have witnesses to that and my cell phone bill. I paid my insurance in June and was about to pay today for my July payment via money order. When I paid my June payment I was told nada about my account being canceled nor that may was a missed payment in addition... towards the end of June Felicia herself called me because I had submitted a towing receipt for reimbursement and had a whole conversation with me in regards to info about the tow. She neglected to say anything about the policy being canceled. I even a few days letter received a check in the amount of $80.00 for tow reimbursement. There was nothing in that mail about my policy. A matter of fact the only recent mail I have received from state farm is something about my life insurance. Recently I have had some issues in regards to them trying to add money to amount owed because I wasn't always allowing them to direct debt and I was paying with money order. But this is unacceptable. I received no notice of this I have all my pay stubs from the money orders and in addition witnesses of all these things I say proving the truthful ness of my case in regards to this matter. My policy was even still valid on my card as a valid policy. I am disgusted with the company and this is totally fishy and weird what happened and I am holing them responsible because I have no notice of cancellation ect.

Like I said before all payments were up to date and I had no reason to believe that anything would be wrong with my policy being that I paied last month and the month before and May ect ect so yea this is fishy

So the cancellation was a result of your failure to keep up your payments?
Is that why they cancelled you?

If thats the reason and you have proof that you paid in money order, then this should be easily resolved by contacting someone in upper management, as they will see that tey cannot do that.

IF THATS THE REASON THEY CUT YOU OFF!!!

If they still refute it, contact the better business bureau, and also start contacting a lawyer.

You coudl also see if theres some type of insurance oversight body of governement that might be able to help you.

P.S. you could also start an evidence trail as to inquire them as to what about your refund due.
they should have sent you a prorated share of owed payments.
If they cant issue you one, then see what they say as to why, and what ever happened to the money order payment -- that you can track.
Maybe it got lost in the mail -- who knows.

If they say they sent you one, then ask for a duplicate.
It shoudl show the date, if one was actually mailed out to you.

At very least this establishes that they took the proper actions with a refund to you

Sounds reallly screwy. I have never had a problem with State Farm been there with them now for 18 years but this certainly doesn' sound right.

If the policy had been cancelled why didn't they send you your money order back or call you?

Call a lawyer or call the court house and see if they can help you. I'm sorry to hear this for you!

I think you're hosed. It is your responsibility to make sure you are up to date.

Looking back at your other questions,seems like you recently had two speeding tickets. It is possible that may have something to do with your policy being canceled.
If it was for a missed payment and you have the proof that it was indeed paid,then you should fight it.

Ignorrance is NO EXCUSE.

I know exactly what bills and when they are do,,, evidently you do not.