Sometimes in our busy lives we can forget to complete all the tasks on our "to do list", like renewing our car insurance. And wouldn't you know it,the one time when you actually need, it comes around. In the case of it being relatively a short lapse of time like three days, one would think the insurance company would be willing to just back date the policy and cover you since you have been a client with them for years with no incidents.
The problem with this is that it is actually against the law in the state of Washingtonor any where for that matter, it is called insurance fraud. The penal code associated with this could have been derived due to perfectly logical reasoning. Back dating a policy would imply that an individual actually had car insurance coverage when he or she indeed didn't. So if you are an insurance company you would be required to cover any incidents that took place during a nonexistent or expired policy. People everywhere would be coming in from everywhere turning in claims for accidents and other events that took place even though they lacked insurance at the time. Why?, because all person would have to do is request their policy be back dated. This is based upon the fact that most people don't feel compelled to do anything unless there is an immediate negative consequence and being able to back date a policy would eliminate the consequences associated with not being insured.
So granted for you the consequence is the threat of being terminated from work, but for someone else it could be a major car accident. No reputable company or agent would be compelled to issue a back dated policy under any circumstances. It's too much of a risk.