[nodesocket]

I understand the potential reasons, but still if I had an active policy in 2020 but let it expire in 2021 and something happened in 2020 while I had coverage I am not covered. Feels wrong since I paid my premiums for 2020.

[pc86]

The policies cover claims made during the period of the policy, not events that occurred during the period of the policy. It's not car insurance.