This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise. You'll need to contact your loan company as well as the insurance company for further help. If it is an error on the part of the company, they should honor your continuing coverage and backdate whatever payment that was made. Having said that, banks that finance car loans can force the buyer to carry insurance. This is known as collateral protection insurance
. This lender-placed insurance is typically added to the payments of drivers who are not carrying adequate insurance coverage. Good luck clearing this up.