No.
Yes. Non Payment of premium can cause a cancellation or non renewal of an insurance policy.
It is possible. Some providers will make the distinction between accepting an insurance payment and accepting it as payment in full. It is called balance billing.
Yes
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.
No but accepting payment does.
First we would need to know why you were cancelled? As if you were cancelled for misrepresentation or fraud then you are in trouble, but if you were cancelled for non payment then just call up some other insurance companies and get quotes should be no issue, you may see a jump in your premium and thats unavoidable and you will have to live with it for around 3 years. If you were cancelled for underwriting reasons, inquire as to what that was so you can change it for the next insurance company. Condo insurance is very complex and although it is cheaper then most insurances for property it is the most difficult to adjust for a claim.
Not necessarily. In most cases you have to be notified in writing as to when and why you're being cancelled. Most causes of cancellation are from non-payment of premiums, and somewhere in the bill it states "policy can be cancelled if premium if not paid by due date". Otherwise, most insurance companies are required by law to notify you.
Call the company, Offer to make your payment and request a re-instatement of your policy.
If your previous home insurance policy was cancelled for non-payment, the company you were insured with may choose not to reinstate the policy depending on your history with the company. While this company does not have to reinstate your policy, you will be able to bind insurance with another provider. If this company asks if you have been cancelled previously for non-payment, answer honestly. This will not disqualify you for obtaining insurance, however it may disqualify you from receiving a continuous coverage discount if they offer it.
If you rear end someone in Illinois and your auto insurance has been canceled for non payment, it is likely that you will get sued. The person you hit can take you to court for compensation which will come out of your own pocket.
Contact your agent or companies policy services dept. and see if you can pay your premium and get reinstated, or if you can get a new policy. There are companies that will accept drivers that have been previously cancelled look around, contact some agents, but get some insurance !
I believe you can, your premium my just be a little higher. that's what happened to me anyway. Hope this helps a bit.