My father Bing Lambert Jr. has has insurance with the Hartford for several years and I have paid his premiums on a timely basis. He had an accident on 20 December and when we filed a claim we were told that his policy was cancelled effective 20 November 2008. A payment was made in the amount of $227.88 on 8 December. When the claim representative called me after the accident I was then told that my fathers policy was inactive. We did not receive notification prior to 24 December. I was told that because the amount that he owed was $390.16 and that it was due on 15 December his insurance was cancelled. They went back to the policy renewal date for cancellation. However, the check that was sent on 8 December was cashed and not returned and we did not receive any additional information to state that this was the incorrect amount that he owed in order to reinstate his policy. We are now looking at having to pay all expenses out of pocket. I do not feel that this is fair to my father since his policy was always up to date and a partial payment was made prior to 15 December. I have a copy of the check to prove that the Harford accepted the payment.