Car Accident After Insurance was Canceled for Nonpayment

[Hilton2411]

My question involves insurance law for the state of: Florida

A lady ran a red light and took out the right side of my car. Her car is more than likely totaled and my just needs some body work. Issue is, my insurance lapsed about 2 weeks due to my wallet getting stolen and the credit car info changed and the payment wasnt taken out. Now, the officer found her at fault and issued her a citation but she is STRAIGHT UP denying saying the complete opposite that I ran the red light. Anyone with helpful points? Also, since then everything with the insurance has been reinstated.

[Mr. Knowitall]

Insurance companies typically send a notice to warn customers of a missed payment or imminent cancellation of their insurance, and typically send another notice as soon as the insurance is canceled for nonpayment. What notices did your insurance company send you? If none, try arguing with them about whether you should be allowed to reinstate the policy retroactively - Florida Statutes, Sec. 627.728 and 627.7281 appear to require at least ten days notice for cancellation for nonpayment.