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Posted By: David Vargha

Aren't most policies like this in force for 30 days after the "lapse" date? Regardless, send in a certified letter with return receipt renewing the policy and include a check for the amount you paid in 2005. It's not officially a "binder", but would probably hold legal standing in light of the fact that you have not received any notice of cancellation. Then they can bill you for any difference.

DavidVargha@hotmail.com