tell me if you agree i was "in the right", or "in the wrong". i had an insurance policy with this company, it was "accident" insurance. if i were to get hurt in an accident, slip, fall, whatever, anything but an illness, i would be covered. the premium was $20 a month, and the man would come over every month to collect the $20. well, i wasnt here when he came one month, so he called and asked me to mail it. i never did, and in fact, he called several times over the next few months, and i blew him off. at this point my policy was cancelled. it had been 6 months since my policy had been cancelled, and during that 6 months, i did in fact have an accident. i fell out of a tree and landed on my wrist. i lost a week from my job, and a few days from lawn service. i was sitting on the porch one afternoon, sipping on a silver bullet, and who shows up? the insurance guy. he asks me if i want to start up my policy again. i said sure. he said i would first have to pay the 6 months worth of back pay on the payments i had missed. i said, like, why? if i had been hurt during those 6 months, would they have covered me? he said no. i said, well, why would i pay for coverage that didn't exsist. we argue a bit, he calls the "office", and they say that i would in fact have been covered. i said great! what a coincidence, I DID IN FACT HAVE AN ACCIDENT, 3 months ago. please take care of the claim. you owe me a weeks pay. please process the claim, i'll pay you the $120 in back payments. he just looked at me, said i'd get something in the mail, and left. never heard from him again. was he right to ask for back payments on a policy that was cancelled, and in fact would not have covered me?