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Policy notices are always sent to the address on record with the insurance company.

You can call your insurance company and they will tell you the date the notice was mailed and the address it was mailed to.

Bear in mind that these days many companies are allowing the insured to elect electronic communication in lieu of standard mail. If this was the case then notification may have been sent to you by email.

If no notice can be verified by the insurance company then you could have a claim against the insurer.

If the vehicle was uninsured at the time of a loss then the owner is just basically out of pocket for the repair costs.

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Q: What to do if car was damaged after insurance cancellation without owner's knowledge?
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