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clueless | Can an insurance cancel you policey even though they continue to take payment on it? |
I got into a car accident i call my insurance company to let them know they informed me that they had canceled my insurance a comple of months back but they still continued to take payment on the insurance and i have recepits from them were they took payment on the insurance. I need covarage from them but they said they wont because the insurance policey was canceled. Is their anything i can do about it?
Additional Details
I never received a cancelation notice and i was not behind on my payments |
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mbrcatz
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Yes. They can cancel you, and continue taking payments until all the earned premium is collected from you. Once they have collected all the earned premium, they should start mailing you checks for the extra.
The thing is, when you mail your payment in to an insurance company - it doesn't actually go to THEM - it goes to a lock box, and the bank cashes the check and then tells the insurance company they got your money. THEN the whole accounting process starts.
If you're delivering your payment to the agent, they are receiving the payment, then forwarding it to the insurance company for processing, to the same lock box. They don't look up the status of every policy to see if it's valid! They just take the payment for you. |
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Queen B
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sounds like you still owed them for the time they DID have coverage on you. go back to your agent and talk to him/her...they will be able to get to why the company kept the money you sent after the policy was cancelled |
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blb
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You need to contact your agent and find out what is going on. If you still owed the company money then yes they could have cancelled your policy and you still would have been making payments. The only way that would happen is if you were really behind on payments.
Call your agent and set up an appointment to sit down with them so they can explain why you have been making payments on a cancelled policy. |
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DFK
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Then.The burden of proof is in their corner that they never sent you a cancellation notice. By law this needs to be done. If you were cancelled for none payment of premium then they would (depending on the State) send you a notice that you are cancelled if you did not send the payment in 10 days. If they found an error on your application for misrepresentation then they would of sent you a notice...probably a 30 day notice. The fact that they didn't give notice!...go to the Insurance commissioner of your state. File a complaint. They need to give you adequate time to find coverage....especially since you continued payments. If the commissioner doesn't respond....get an attorney to write a letter to the insurance company....they WILL respond Then. |
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CaseyAngelEyes
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I would go in and talk to your agent to find out exactly why your policy was cancelled if you were making payments. Meanwhile, find a different insurance company. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto
Take care,
Casey |
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Iwant2know
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While proof of payment may help with your argument, the outcome looks unfavorable. Payments go to a lockbox and is not automated to flag if the payment is for a policy is cancelled. Its likely you will get a refund back once the reconciliation portion commences.
A critical question to ask yourself is whether you recieved a cancelation notice from the insurance company. Insurance companies generally send cancellation notices prior to termination of a policy - this is for life, auto, health etc. |
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