Typically when an insurance company sends out a renewal notice it can also count as notice of cancellation since it has listed on it the date and time your policy will cancel if you do not pay however state laws do vary.

Oklahoma Insurance Law (O.R. 365: 15-1-14) deals with cancellation notices and non-renewal notices. Here it states:

Unless otherwise provided, insurers shall give at least ten (10) days notice prior to the date of cancellation and twenty (20) days notice prior to the date of non-renewal of the insurance policy. If notice is given by mail, said notice shall be deemed to have been given on the day said notice is mailed. Proof of mailing of the notice of cancellation or non-renewal to the named insured at the address shown in the policy, shall be sufficient proof of notice.

As we mentioned a cancellation notice of this type may be done by insurance companies mailing bills to policyholders, at least 10 days before the due date, advising that the policy will cancel on a specific date and time (usually 12:01 AM) unless the premium is paid. These companies may then cancel the policy of those who fail to send payments on time.

You can discuss with your insurance company if they feel that the renewal notice for the policy with the cancellation information listed is the 10 day cancellation notice or if they should have sent you another separate notice once your payment was not received. If it is the latter and they normally send out a separate cancellation notice you may want to inquire as to why you did not receive and if it was mailed.

You can also contact the Oklahoma Insurance Department to get clarification on the state's insurance laws and cancellation notice requirements to make sure your insurance provider did follow them correctly. If you believe they did not you should be able to file a complaint and may want to hire a lawyer to see what your options are at this point regarding the insurance company and your accident.