Generally, so long as your Florida insurance was in effect at the time of the accident, then it applies to the accident. Thus, if it was cancelled AFTER the accident, then the cancellation would not impact the accident. If you were in an accident at 12:15 am and your insurance was cancelled that same date, at 12:01 a.m., then your insurance would have cancelled BEFORE the accident and would be of no effect on the accident. Even in that example where cancellation is 14 minutes before accident, it would still be cancelled BEFORE the accident and thus be of no effect. One key to the analysis is that the insurance be properly and legally cancelled. There are certain rules as it pertains to cancelling insurance for lack of payment and other cases and thus you may want to have an attorney review your case if the insurance company is claiming cancellation in Florida.
