Today I received what seemed to be a “love” letter from my insurance company, stating that my policy expires on May 31st, but I am such a great driver with no accidents, long time customer of theirs and participated in safe-driving program, so they are decreasing my premium drastically. On the following pages my jaw dropped, as my premium had tripled from what I used to pay.
Naturally, trying to figure out the problem and they’re saying that the lapse in my insurance are causing higher rates for renewal.
Long story short, I lived in an apartment building, where randomly mail wouldn’t come in, as the apartments are being marked as “vacant” in Usps system (not sure if it’s Usps, or landlords doing). So I signed up with insurance agent, that all of the paperwork goes through them and then they call me to sign. In November 2020, when I needed my insurance card (it’s online on the app), I realized that my insurance was cancelled about a week before. I called insurance company, they said it got cancelled, as underwriting department sent important paperwork to sign and I never returned it. So I got my agent’s office on the phone. After looking around they realized it was their fault and they forgot to notify me. Going back and forth for couple of days, insurance company didn’t budge in reinstating my car insurance, so they opened me a new one with the same rate I had before for the leftover time on my previous policy. Now I have a problem, as my insurance had tripled. I contacted a few different agents and different insurance companies, but the all are at least 2,5 times higher that what I used to pay, stating that I have almost 30 days of a lapsed policy on the record, so I won’t get any better price.
How long does lapse policy stays on the record? Is there any way of taking it off, as the agent took fault on the phone call with insurance and me? I’m really upset about all of this, and obviously had no clue that something like that can cost so much. Also, it definitely was less that 30 days, as my state is pretty quick with uninsured vehicle fines and request to surrender the plates and I got nothing from the state.
TL;DR: my car insurance payment tripled, because my agent messed up last year and my previous policy lapsed. Now it stays on my record and every company gives insane high rates.
Submitted April 29, 2021 at 06:17PM by blueeebiiird https://ift.tt/3aQ2Kv9
