Either your policy was valid or it wasn't. If your company has no grace period and you paid your renewal premium after your accident you may very well not have coverage. This is why it is a good idea to make sure your payments are a few days early. Most policies start and expire at 1 minute after midnight on a given date. If "needed to be renewed" means you had received a renewal notice, these are usually sent a month or more before expiration. If you have had the notice for more than a month, you probably had no insurance when you had the accident, but your company MAY give you a 15 day grace period.
If a policy is guaranteed renewable, the policy can be renewed by the insured regardless of health.
Detection
It means the term policy can be renewed without having to provide proof of insurability.
Then you will have to get a new policy. Usually a company will automatically renew you. Sounds like the policy non-renewed due to non payment of premium.
Detection
Yes. Allowing a policy to expire hurts your chances of getting good insurance with any company. Most will allow you to get your policy renewed, but you will pay higher rates.
The containment area outlines the actions that should be taken to prevent the incident form affecting other systems
Policy direction
Policy Direction
Policy direction
Depends on your policy. If probably is if it's extremely serious vandalism, but you might be better off just fixing it out of pocket and not telling the insurance company depending on how much it would cost to fix (since the insurance company might raise your rates based on this incident).
It is not the card that is renewed, it is the policy that is renewed. The card is merely evidence of the insurance. Generally, at the end of the policy term, which is the period that the insurance is in force, the insurer will send a notice of renewal. This will contain information as to any changes in the coverage for the forthcoming year, and any change in premium. If you decide to remain insured with the company, it will issue a new insurance card for the forthcoming policy year.