Hello. I have insurance coverage the statefarm for my car. I was involved in an auto accident on 12-20-2012. In surance company claims coverage lapsed on policy on 12-19-2012 midnight. My statements say due date is the 28 the of the month they claim the 6 the. They also accepted the insurance premium on the car the day of the accident and are now denying the claim. What to do I still owe 18000 on this car.