Nebraska

He will still get stuck for the deductible, but it is nothing compared to the total bill.

FWIW, it's helpful to have the expiration dates of all insurance policies marked on a calendar so that you don't rely on the insurance company. If you had automatic withdrawal set up to pay for the insurance and they had debited your account then I would have fought the company for acting in bad faith.

My brother recently was cited for driving without insurance because his renewal notice didn't show up in the mail. I never had anything like that happen to me, but I also worked for the Texas Department of Insurance and a private insurance company so I kept track of all my insurance policies and coverage in a diligent manner.