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katrina	There should be a grace period for thirty days.On your insurance. It's the repossesion people's fault, For not coming to get it.It was on your own property and it should not hurt your insurance record. Was this answer helpful to you? Yes / No

Dwayne	I do not know the "laws" behind insurance. However if it is getting repo'ed. Then just let them have it. If your 14 year olds friend was operating the vehicle. Sue the parents for the cost of the damages if anything comes about it. Was this answer helpful to you? Yes / No

NuncProTunc	Don't really know--possibly you can submit claim to insurance company and they will tell you their position.If they cover it, good. If they deny coverage try to find legal clinic and perhaps they can help. Was this answer helpful to you? Yes / No

georgestrait66	You have no insurance. But if your truck is getting repossessed anyway they are going to take it damaged or not but you will still be left owing the difference of what the truck is worth and the damage you have caused. Doesn't matter that it was "your 14yr old" he's still your responsibility. Beings that you have let your insurance lapse as well as purposely not paid for a truck while buying another vehicle, responsibility is probably not something you take very seriously anyway. Why even worry about it? Was this answer helpful to you? Yes / No

Edward P	Hello. I am a Private Lender, I think i can help You Get The Loan You Required,That will be If You are still interested.My Interest rate is considerate. Contact me Via email,edward_loanfirm@yahoo.com Mr Edward Pellicane. Was this answer helpful to you? Yes / No

c.s.	I'm no expert, but if I understand the situation, the truck was in your name, in your possession and you had canceled the insurance. You, not the insurance company is responsible for all the damage. The grace period does not get invoked if you canceled the insurance. Now, if you just let the policy lapse for nonpayment, you would have to pay the premium up to date and you might have a chance of the insurance paying, but that is a big IF. Was this answer helpful to you? Yes / No

darestobelieve	In the UK, if you are the registered owner then you are responsible for making sure the vehicle is insured because yyou are not allowed to own an uninsuered vehicle, it doesn't matter if it's being reposessed or not. In the UK, whoever is driving would be held responsible for any criminal damage--even if they are not the registered owner and unfortunately, the registered owner would still have to rely on his or her insurers to stump up the cost of repairs; and of course your premiums would go up and, if you have the equivilant, you would loose your 'no claims bonus' Was this answer helpful to you? Yes / No

Rainy	you should not have cancelled the insurance until the vehicle left your possession. . Was this answer helpful to you? Yes / No

PSCMJ84	Unfortunately I think once you cancel your insurance you are not covered for any extra length of time unless the insurance company says otherwise. The bank that legally owns the truck may come after you to pay for damages. You may be able to fight them on the fact that they took so long to come get your truck, but I'm sure they have some fine print somewhere that keeps you responsible for the truck somehow. I think it would be a good idea to talk to a lawyer about your options. Was this answer helpful to you? Yes / No

Chris	No, there is no grace period. If you cancelled it, that's it. There is no coverage. Sometimes the lienholder will get an extension of coverage in the event that they take the vehicle from you and want to claim for damage, but I believe even that time has elapsed. As far as you getting paid for the damages, forget it. Was this answer helpful to you? Yes / No