In North Carolina Farm Bureau Mut. Ins. Co. v. Simpson, 2009 WL 1986822 (N.C.App), defendant Simpson was the owner and operator of a tractor-trailer. In early 2004, Simpson had liability insurance on the vehicle through plaintiff, North Carolina Farm Bureau Mutual Insurance Company. The policy expired on April 30, 2004. Simpson attempted to renew the policy for a period of six months, but Farm Bureau notified Simpson by a letter dated May 25, 2004, that his check for premium had bounced. Soon thereafter, Farm Bureau notified Simpson of the policy's expiration, effective April 30, 2004.