A Question Regarding Insurance Companies

[Scaffy]

I have a little story for you all. When we bought our Mondeo a couple of years ago, our car tally was 3. My XR8 and the missus' Hyundai Accent being the other 2. The missus' sister needed a car so we let her use the Accent for a while. In the end, we transferred it into her name for rego and insurance purposes until she got something for herself. Just recently, she's got another car, so we've taken the Accent back and I'll probably use it to travel to and from work (huge savings bill). I think it was dropped off yesterday some time and is sitting in our driveway. Tonight, when getting the bins, Tash noticed hail damage all over the roof and bonnet under the light.

Here's the crap thing. Her sister cancelled the insurance last week. When Tash asked her if she noticed the damage, she said she saw a bit on the bonnet, but didn't think it was too bad. She's as blind as a bat. Apparently it's pretty severe. As it's a crappy Accent, it would've probably been written off. I can't believe the stupidity.

Now for my question. Because the car was covered during the storm and well after it, should we still be able to get it assessed? I think it's a long shot, but does anyone know?

Not too interested in hearing from anyone who thinks this, or thinks that, just looking to hear from someone who may have experience in the insuarance industry or has had a similar experience.