I've combined all your questions in one place to make it easier to follow along.
"I did receive a bill and for payment and it said that the i had coverage until the 9th. That is all i recieved but no non-renewal, lapse, cancellation notices."
If the bill makes it clear that you had coverage until the 9th UNLESS you paid the premium, it might be sufficient notice of lapse under your insurance laws:
The statutes aren't entirely clear to me so you should check with the insurance dept:
There are likely to be insurance department rulings or even case law that applies.
Proper notice of lapse is a critical issue here.
"My agent was out with strep and I called her to see as to why my policy went up and was told that she was out sick. That is why I waited until the 12th to make payment."
Well, now you know why that wasn't a good idea. Presumably you got your bill some time before expiration. For future reference, if you don't like the rates, shop around for lower rates (before expiration) if you can get them, but never go past the expiration date to make the payment.
"The insurance company did ask for witnesses phone numbers as to when the accident occured"
Did the police respond to the scene? If yes, the time is recorded on the police report and you should get yourself a copy.
"and for me to give a written statment as to why I feel that they should pay for the accident. In your oppion should I do this?"
You didn't mention anything about the accident itself but if your son was at fault (or even just having the finger pointed at him) and other people were injured, this could be a major financial disaster and you and he should be discussing this with an attorney before making any statements to anybody.
But if he clearly wasn't at fault or it's a single car accident, or just vehicle damage, you probably have nothing to lose by complying since the presumption is that you don't have coverage.
"They renewed the policy on the 12th but apparently there was a lapse in coverage. So am i right to assume that this accident will not be covered."
The coverage was effective the 12th which was the day you paid the premium. Yes, there was a lapse, and you do not have coverage for the lapse period.
- The right of the people
- to keep and bear arms,
- shall not be infringed.