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Will there be a lapse in my car insurance or any issues?

Hi., well I found out I'm paying a stupid amount for insurance through my current insurance company. i've already purchased my new policy(double coverage everything I had before paying almost $100 less a month! And an A+ rating!) and coverage will begin Oct 1st at 12:01 am. My other insurance is due on the last day of the month but if I don't make the payment it will cancel at the same exact time Oct.1st at 12:01. Will this cause me any issues? Since it will cancel itself if not paid before the first? I'm still concerned about a lapse even though it's the same time/date. How should I handle this when I call my current company tomorrow? Can someone who understands better explain this to me? Thanks in advance for any help!

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My Car was hit while parked, do i have to involve the cops or my insurance company?

- MY CAR WAS PARKED, AND ANOTHER CAR BACKED UP WHILE PARKING CAUSING DAMAGE AND SCRAPES TO MY RIGHT SIDE FRONT DOOR. - WHEN HE HITS IT, HE PULLS OUT OF THE PARKING SPOT AND GOES AND HIDES BEHIND A VAN OPPOSITE TO WHERE MY CAR WAS PARKED. -WHEN I GET OUTSIDE, I START WRITING DOWN HIS LICENSE PLATE AND HE COMES OUT AND ADMITS TO HITTING MY CAR AND PROMISES TO GET IT FIXED. - I HAVE EVIDENCE: RECORDING OF HIM ADMITTING IT, A PICTURE OF HIS LICENSE PLATE AND CAR, A COPY OF HIS DRIVERS LICENSE, PHONE NUMBER, ADRESS. AND THEN HE SAYS THAT HE WILL GET IT FIXED BY HIS BODY SHOP GUY AND TOLD ME HE WOULD CALL ,I suggest one to try this site where one can get quotes from the best companies:

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