My daughter was involved in an accident today and the insurance...

My daughter was involved in an accident today and the insurance verification of the other driver was a Progressive Commercial policy out of Missouri but what had me confused was the effective date was 4/4/25 - 4/4/27. I’ve only seen an annual policy. Is this a thing? Edit- Per Progress this policy isn’t active, the number on the verification wasn’t even a policy number with Progressive and the auto listed has an incorrect VIN. All th