As part of your policy, there is a "Policy Schedule" section where all your benefits are explained.

If you don't have a copy of your policy, your agent or company can provide a copy.

schedule of benefits

A policy schedule is usually the cover page of a policy, or the one that immediately follows it. It summarizes the coverages provided by the policies, usually by name and/or form number, and also by amount. The amount of coverage is stated in terms of amount of coverage per person (for example, if one person were injuries in an incident), and in the aggregate (the total amount that the insurer might be liable for if multiple people were injured in the same occurrence).

The policy schedule may also show the amount of premium chanrged to the insured for the coverage.

It depends on your company's policy, so just check with your supervisor.

A lapse in your auto insurance is a time period for which you had or have no coverage. Either your policy expired and was not renewed on schedule meaning you missed your renewal payment or you missed a monthly payment and the policy was cancelled.