AHMSI refused to pay my premium on the due date, my policy expired and I was informed by the company that I was covered by the aforementioned company. I refused to accept this insurance (price was approximately $900.00 more than my previous policy). I was notified on December 3, 2010 that my coverage with QBE was cancelled as of 11-30-2010 due to other insurance coverage provided. On December 13, 2010, AHMSI submitted a check in my behalf to Louisiana Citizen and was reinbursed due to the fact that I had already paid the premium. To this date no one has explained to the delay or refusal to explain the reason for the lapse in time. My original policy expired 11-16-2010 12:01 AM.