Auto Insurance Claims: Lapse, new insurance, uninsured motorist

Question
Hi,
I was in a wreck where an uninsured motorist  hit and totaled my truck. I was not at fault but had to file on my insurance because the party at fault had no insurance. Since my vehicle was totaled I had no other vehicle to drive and also my foot was fractured and I was on crutches. 2 months later I go to get insurance and find out my insurance has thripled because they said I lapsed . I don't understand how this could be if they totaled my truck and I notified them I had no vehicle but of course they have no record of my call. So now I am wondering can I have the lapse removed from my record because they totaled my vehicle and now say I lapsed last month when my truck was declared a total in aug.

Answer
I'm a little confused by the question.  You seem to be saying they tripled your premium because it lapsed?  I've never heard of this before.  The lapse simply means you did not pay.  The policy goes out of force and that should be it.  It should not increase premiums.

Are you saying they want you to pay for the back months while the policy was out of force?  Unless you had a 2nd accident, this would be pointless - you don't need any coverage for that.  

They should simply start a new policy when you get a replacement vehicle.  If they won't do this, they are unreasonable, and I would shop for a new insurance company.