Auto insurance policy cancelled

Posted: Mon Nov 24, 2008 05:05 pm Post Subject:

There could be a couple reasons why they sent you a bill. The most likely is that since your policy was cancelled you were still insured for a certain period of time and thus are being billed for that time. That is probably a percentage or a fraction of your billed premium. The other could be a penalty for not paying your bill and thus having the policy cancel early. My thought is the latter, that your policy was due on a certain day but they gave you a certain amount of time to pay it off which you did not, (typically a couple weeks) so they are now charging you for that time since you technically were still insured.

Posted: Tue Nov 25, 2008 07:27 am Post Subject:

The reasons that Slappy has forwarded sound reasonable. However, you may place a call at your agent's office to know in detail. You may check whether or not reinstating the policy is an option available for you. Some insurance companies agree to reinstate the plan even after its cancelled.

Its may also happen that they are charging you for some past dues that you haven't paid.

Posted: Tue Nov 25, 2008 10:44 am Post Subject:

This doesn't make sense to me at all! unless you had a claim during that period of time, and in order for them to consider the claim you HAVE to pay that premium...have you got insurance somewhere else? clearly you were more than a month behind...but I'd call them to see what this is about certainly before I'd pay it...if you'd like type EXACTLY what it says on the bill, that will help us desipher this.

Posted: Tue Nov 25, 2008 11:34 am Post Subject:

Usually I thought billd were paid a month ahead on auto insurance. So if it was it may have been behind. I always go the direct debit way when paying my insurance..it saves from all kinds of headaches like this one.

Posted: Tue Nov 25, 2008 12:54 pm Post Subject:

I always go the direct debit way when paying my insurance..it saves from all kinds of headaches like this one.

Posted: Tue Nov 25, 2008 05:56 pm Post Subject: insurance

I have my car insurance 'debited' from my account, each month. My utilities, etc., I usually pay with a CC/Debit card, over the phone. Kinda nice. Don't have to leave the house TOO mauch to get things done.

Posted: Wed Nov 26, 2008 02:52 am Post Subject:

I had a "lori" experience before with a one of my utilites so I only do my banks loans and insurances . I figure all the major needs are protected..home and insurances. I always pay on time but this is my "just in case mode". You can also get a discount, if your company offers it, by going direct debit. SD Nationwide does offer the discount so you should be recieving some type of discount.

Posted: Thu Sep 03, 2009 02:14 pm Post Subject: re:noticeofcamcellationpostincident

myboyfriend is being prosecuted for not havingi nsurance at time of collision .But heres the catch he believe dthat he did;
Indecemberhehadacollisionfilesclaimcarrepairedthenhehasautopayment sotehytake$$forJanuarythehehasnotrecievedanywrittencorrespondancefrominsurereoragent tooearlyfor bankstmttoreconciletheaccountFeb has2ndcollissionbothheandtheotherdriverthathecollidedwiithstateathirdvehiclecausedthematterbutmyguydidhavethatchousionofspaceItaughttenyears toincarallagesstudents soheexchangesinfo policeofficerwashandyonthesceneandcheckedinfoforallparties indexvalidatespolicy thenfewdayslaterofficercontactshimandtellshimnoinsurance sonowheisbeingtriedforthisbutheimmediatelyobtainednew insurancewithdiff carrier/agentwhotellsmethathedidshowanactivepolicythatsamedaytheofficerinformedhimofthisissuethentheoriginalcompanysendsoractuallytheadjustersendsaletterstatingnocoveragewasdroppedinJanuarypriortothecollisionbuttrueno$wastakenfromtheaccountwelearncontactintingthebankforconfirmation.Yetsinceitisalawthatadrivermusthaveinsuranceandsincenoonebotheredtoinformhimthattheyhadtakenthisactionanditisnormallytheirpolicytodosoandnothingwassentaccordingtoallavenuestotraceandtracksuchthings howcantheychargehimthenhehadsomepersonalsetbacksandmovedandspacedhisappearanceandnowisinjailIpersonallywenttomaketherequiredpaymenttorecallthewarrantbutcourtwasclosedearlythatdayandnoonlinemeansPleasesomeoneadviseIknowthttherearebindersandsuchoratleasestwerebackin,...butthisseemsunethicalnotthatfamiliarwithutahLawandwouldliketohavehimtocomfortmehavecongestiveheartfailureandnotmuchtimeamafraidandheneedstoholdmeamsoscard sorrykeyboard issues

Posted: Thu Sep 03, 2009 02:51 pm Post Subject:

Hi Heidi, Its unfortunate that your boyfriend is being prosecuted for not having insurance at the time of an accident.

It sounds like when he made his payment in December he was paying a past due balance so when payment became due in January and it was not received in a timely manner the policy cancelled.

Although he obtained insurance with another company in January a lapse in coverage still exist at the time of the accident. Sometimes insurance companies use a current carrier database to determine prior insurance and it may not have been updated when he obtain his new policy so of course they will tell you he had insurance because they did not administer the policy.

It was very hard to read your posting so I am not sure if I read it correctly.

The best thing to due is to obtain a copy of his payment and billing history to detemine why the policy cancelled. The agent should be able to provide this information.