It's just me, ranting, or sharing deep thoughts. There may be some swearing. Sorry, Mom.
That applies to insurance policies in PA also. No matter your insurance company, your policy will cancel at 12:01 AM, (or 00:01) on the date marked on your policy. So if you come into my office when we open at 9:00 am on the due date to pay your bill, you have been without insurance for the past 9 hours. If you had an accident on your way to the office, you would be out of luck.