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Good morning. I certainly understand the situation and your concern. Yes, this was certainly an accident and you have an obligation to contact the owner of the other vehicle, who is out of town. If you can obtain their number, call them and inform them of the accident. If you do not, you need to leave your contact information on their car or on their door to their home, to inform them of this and how to contact you. This way, you do not get charged with leaving the scene of an accident / hit and run. Now, if the insurance lapsed, you would be responsible for the damage, out of pocket. Even though it was an oversight, the insurance company will not cover you if the policy was not in effect, as a result of the premium not being paid. Finally, even though you obtained insurance, it was not in effect at the time, so they do not have to cover it. Now, if you report this, they are going to ask when the accident occurred. If you report it as something that happened AFTER you put the policy in place, when you know it happened prior to, then you would be committing fraud. If they investigated and found out, you could be criminally prosecuted, so you need to be aware of that, if you were thinking about reporting it, since they will ask you when this happened.
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