I assure y'all there will be no precident allowing anyone who

[elehhhhna]

didn't pay for coverage for a year to claim on the policy. Period.

Doesn't your state require you to keep proof of insurance in the vehicle? This detail was another missed opportunity to note there was no coverage.

The ins. co is not responsible and it may sound grinchy but really? The OP feels morally in the right? How?