Geico Auto Insurance Motorcycle Rider Pays 12 months in advance & Geico Cancels in month #9 for Non payment? Los Angeles, California

When I signed up for Motorcycle insurance with Geico, I signed up for the least expensive policy they had with the minimum insurance requirements... $15K bodily Injury and 30K property damage, and I told them that I DO NOT want the UNINSURED MOTORIST option because it cost more money. They acknowledged my request, accepted my FULL PAYMENT for 12 months insurance, they just wanted me to sign a WAIVER FORM for the Uninsured Motorist. I signed the waiver form and sent it to them and then two weeks later I rec'd a PHONE CALL stating that I had not filled out the waiver form correctly, and that I would have to do it a SECOND TIME.... so they sent me a second form, and I called Geico to assist me in filling out the form, but apparently, even with their assistance, it was filled out wrong. I had CLEARLY checked the box stating I DO NOT want Uninsured Motorist added to my policy, and Geico even acknowledges this on my insurance policy paperwork.... 

Well, because they said I did not fill out their waiver form correctly.... they CANCELED MY INSURANCE FOR NON PAYMENT about nine months after I paid them in full for a 12 month policy.  I was not aware this change had been made to my policy, and I received nothing further in the mail (or phone calls) from Geico regarding the WAIVER they said they so desperately needed me to fill out correctly.  I just continued to ride my motorcycle THINKING I was still legally insured.  

Then one day while sitting at a STOP LIGHT, just waiting for the light to turn green.... I was T-BONED on my motorcycle by an elderly driver.  I was lucky to survive, but later when I went to report the accident to Geico, and it was at THAT time they informed me I was NO LONGER INSURED with them... for failure to pay.  WHAT?!! How do you cancel an insurance policy for non payment, after you were paid for a full year IN ADVANCE??   Long Story Short... By Geico erroneously canceling my insurance policy they made me appear to be an UNINSURED DRIVER.... and as such, I am not able to pursue the person who T-boned me for pain and suffering!  So Now I must chase after Geico for Breach of Contract, for CHANGING MY POLICY WITHOUT MY CONSENT OR KNOWLEDGE. They now claim they sent me several letters in the mail, telling me that a change was made to my policy, and that I needed to respond.  I check my mail DAILY, like everyone else, and I NEVER received anything from them telling me they were about to add something (I did not want) to my policy, because if I had received anything, I would have contacted them immediately to straighten things out.  Geico is NOT your friend, and if your insured with them... I hope they dont screw you like they do everyone else. If you see a lizard in the road with a british accent, RUN IT OVER for me, will you please?