The TV ad says, "We promise not to cancel your policy." This is a LIE.
When I received my bill, I wrote the check, addressed and stamped the envelope, but forgot to mail it (which I discovered too late). Payment was due May 14. On May 15 I was in a minor accident. I noticed the policy effective date ended April 20. I called the Hartford to see if I was still insured. I was told the deadline for payment had passed. I asked if I could still make payment. She asked if I had been in an accident since May 1. I said yes. Then she told me I was being cancelled and they were sending a notice out on Sunday. I returned from my trip and discovered the unmailed payment on May 26.
I still have received no such notice which they supposedly sent over a week ago.
So I get the impression that if I had not had the accident, they would have allowed the late payment.