If you have coverage through your "old" employer then you quit to work with a different employer your coverage with your "old" employer will be terminated unless you pay COBRA payments (which is...
It sounds like your policy wasn't in force -- either due to a lapse or a cancellation -- when an accident occurred. If that's the case, you have a few options:
1. You should check with your agent...
I had the wind insurance policy for my house in Florida,,,ended last year nov 1, I m a marin away for 4 months at the time I came back jan 1 and renewed the policy....I do have to pay very high...