The South Florida Times (Enlarge photo)

04/07/2008 00:25. My friend got into a car accident, and her insurance company wont pay off the damages to the car. She paid her car insurance premium late, but the policy was still good (and in effect) when she got into the accident.

The company did send her a notice saying that they had canceled the insurance. They sent out another one and told her to disregard the cancellation notice because the payment and notice crossed in the mail. She called them and told them about the letter, and they said theyd have someone call her back. But they didnt. What should she do?

Your friend should contact the insurance company again and request to speak to the representative who handles claims and billing. Thereafter, she should request to fax and perhaps mail a certified return receipt copy of the statement that... // The South Florida Times