If there is a question of whether the policy was in force, that depends on the circumstances of the case. If the policy was cancelled in accordance with state law, and the loss occurred after the effective cancellation date, then the policy was not in force and the policy does not cover the loss. If the cancellation was not effective at the time of the loss, the policy will respond (unless there is some exclusion that applies to the claim). This means two things for you to check. One, were the state cancellation requirements met by the insurer? And two, exactly when did the second accident occur? The insured will have to prove the loss occurred while the policy was in effect and if he does that, the policy will apply. It would be treated as a separate claim since it occurred after the one claim that was still in process.

For informational purposes, Minnesota allows cancellation of personal auto policies for nonpayment of premium. Ten days notice is required and the reason for the cancellation must be shown on the notice. Proof of mailing is required.