Insurance Company not willing to reinstate my current policy (coverage/premium) after more than 30 days of cancellation – Root cause wasn’t my fault.
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UPDATED: Apr 11, 2012
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Insurance Question from Richardson, TX
Asked on 04/11/2012
Insurance Company not willing to reinstate my current policy (coverage/premium) after more than 30 days of cancellation – Root cause wasn’t my fault. A Change of Address was filed by a relative of mine in error, causing my mail to go elsewhere. During that time, my insurance company sent me 3-4 invoices/bills to pay my quarterly payment otherwise policy will be cancelled. Since I was unware of the bills that I never got, I discover I have NO coverage due to non-payment/cancellation of my policy when I call in to open a claim. Now insurance company refuses to take any action even given my 5+ years of consistent payment with them. They do NOT have ANYTHING in writing regarding this 30 day policy of theirs, can I take legal action?
Answer given on April 11, 2012
Your auto insurance policy should have an area which outlines how insurance policies are handled for non-payment of the insurance. Insurance companies send a notice of a past due premium giving you a certain number of days to pay. They then sena notice of cancellation. That usually adds up to 15-20 days. If the premium is not paid, the policy is cancelled for non payment of the premium. If the insurance company received a notice of change of mailing addres, the notices will be sent to the address provided. they are not required to confirm the address provided.some insurance companies allow a reinstatement, with lapse, upon payment of the premium. You are expected to know the due dates of your policy premium and a change made in error is not the responsibility of the insurance company. It is unlikely you will have coverage for the loss incurred while the policy was cancelled for non-payment.
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