My husband and I bought a car a month ago,via a loan from our bank. We just made our first car payment two days ago. Our insurance premium was due two days ago, as well, but our payday is a little late this month so I needed to pay it today. In NC, you have a 30 day grace period before it lapses so no problem. EXCEPT I have memory problems from a stroke I had a few years back & forgot that this was my renewal of the policy payment. In other words, if I didn’t pay by the due date (two days ago), my policy cancelled, NO GRACE PERIOD. I’m going to pay the renewal payment today but here’s the clincher: Last night my husband was driving. The car in front of him hit an object (furniture!) in the road, my husband then hit it and the driver behind him hit it. Our car is considerably damaged, very possibly totaled although it’s stoll drivesble, and we owe 2 full years of payments on it. Police did come & there is a case #. What do I do at this point?!?!