Legal Question in Insurance Law in South Carolina

Auto insurance cancellation notice

I have had auto insurance with a local insurance company for 6 years (four auto's).(I also have my home owners with them.) I have mailed my six

month premium payments by check each time. I was rear ended on 11/28/2006. The person that rear ended me was found at fault. He had no insurance. My premium was renewed on 11/6/2006. I mailed the check as usual. When I called my agent to tell him the problem on the 30th he said my insurance was cancelled because they never recieved payment.

I have showed them a copy carbon copy of the check and other checks that have been written since, but they have denied my claim. I never recieved a cancellation notice. When I was told they never recieved the check I went to the office and wrote another check. I have never

let my insurance collapse. The other check is still missing. I have the post office looking for the check. My question: Is the insurance company required to notify me that my insurance is cancelled? When? How long?

Please help, I have a truck that is a total loss, medical bills, have missed work and it looks as if I am the big loser and it is no fault of mine.

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