Awwww Amy,
Thats a real bummer about your insurance. You know sometimes we just have too much going on and we can forget things of importance. Don't beat yourself up about it. We have all done things like that at one time or another. Doesn't your insurance co. give you a grace period? I sure hope so.
Prayers that it all works out in the end. Keep counting your blessings.
Hugs.................Lo