The answer is not as simple as the question.
When you purchased this policy you also selected a payment plan, have you kept current ? or have you missed payments? If you have missed payments, the company will send a cancelation notice with a future date requiring you to become current, or the policy will cancel. The company may reinstate a cancelled policy with Payment and a "NO LOSS STATEMENT" after the cancellation date.
The NO LOSS STATEMENT protects the insurer against those that would only pay after an uninsured accident happend. And helps those insureds to avoid fines levied by the state of $4.00 to $8.00 per vehicle per day, for not carrying the required insurance, and or suspension by the state against their registration and drivers license.
The situation as pointed out is do you have a copy of the Money order sent prior to the cancelation date, or a copy of the cashed money order?
This would allow the insurer to check the endorsement on the back of the money order to their system to see when and where payment was applied. Did you send the amount the company required?
Each state has specific terms as to what is permissable by the insurer. If the above is of no aid check with your States Insurance Dpt.
Again the benifits of useing a Professional Insurance Agent Vs. direct writers
The question is who is protecting your intrest?
