They DO have to cover you, the same exact thing happened to me in Sep. 07…I was 5 days late paying, I paid it and I got in a accident 4 hours later, and totaled my car and I have state farm. The second you pay them money they reinstate you if you were late, and if you pay on your due date that doesnt matter either because you were covered then, with insurance when you pay monthly its in advance, thats why you pay a deposit in the beginning, its really your first month bill. So when you payed them last month it covered you up to prolly next month,if u want im REALLY good at talking to ignorant ppl i would love to help :-)and btw they covered everything. They are just dumb.