So anyone know exactly why the law was changed a few years ago to force insurance companies to report a lapse in coverage if payment wasn't received exactly on time?

I was wondering why my agency kept calling asking for payment well before the due date, and they told me there was a change in state law that required them to immediately cancel coverage if payment was not received on time (previously, they'd keep a long-standing policy active even if the check was a few days late in the mail).

I'm 100% against uninsured motorists driving around, but before this, the agencies had a little leeway to keep you protected for rare circumstances such as this.