This is almost exactly what happened to me last September. My renewal date is Sept.4th but I got no bill from either my local agent or Grundy. I didn't realize this and forgot about it. On the 4th,I get a call from my local agent (in Mass. you have to have a Mass. certified insurance agent) that if I get right down there and give them the $$ I'll be all set. So I do. Then I get a cancellation notice from Grundy;I call them and it's all straighened out. I won't even go into the hassle over raising my cars value after a new paint job this year. I just checked my mail and in it was a notice of reinstatement of my insurance with Grundy . Go figure....... I gues what Jim says above sounds right. They must be in the middle of a reorg. I was ready to blame my buddy Ed who had his '39 Chevy totaled last spring and Grundy paid up right away and took care of medical bills to. I thought he bankrupted them.