If you win your appeal, chances are you will not be able to recover any overpaid monies on a policy that has passed its expiration date. However, if the policy is still in-force, you should be able to request your insurance company refund any overpaid funds back to the policy's inception date. If you have not finished paying for your policy at the time you win your appeal, this refunded monies will probably be applied to your policy's outstanding balance.