Hi everyone, I need good idea about how to solve this problem. The problem is, in june 23rd there was a car accident but police was not involved. The fault is still unknown. I was going in the middle lane (not the center lane , i mean middle of three lane in oneway) and someone passed me (overtake) from left lane and his right side looking mirror broken. There was not even single scratches in my car. He claimed my insurance but there was something wrong in my insurance. The problem with insurance is that I was paying by every 23rd of the month. The coverage was until 24rth of the month. In March month I paid the money 2 hrs late and they reinstate my insurance. Next coverage was until 24th of April. Still the insurance was continue until  24th. But last May month was 31 days long and they started my coverage until 23rd of the June. They started counting days. In the last 14 month they never counted the days. I mean every month the coverage was until 24rth. So I had to pay before 23rd I mean by end of 22nd. I didn't notice that day. I though I can pay by the end of 23rd. But the accident happened 6 PM of 23rd according to insurance company my insurance was end before 23rd because I didn't pay by 22nd. And I paid at 7 PM of that day (23rd). They say they can't cover the insurance. The guy went into the court and claimed around $1000 for a single looking glass broken. I have to go court this Wednesday. Can I ask the question to the judge to decide whose fault was that? If that was my fault, Can I ask why $1000 for a single mirror broken? If I have to pay $1000, I can't pay now then What can I do? Do the insurance should pay the money? Please I need suggestion and Idea.