My auto insurance premiums were applied to my old vehicle that I sold to my sister and not the car I registered with them for over 2 years.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 31, 2017

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Insurance Question from Chapel Hill, NC

Asked on 03/31/2017

My auto insurance premiums were applied to my old vehicle that I sold to my sister and not the car I registered with them for over 2 years. Considering that I didn't have coverage that I was paying for and that my old car was being apparently double covered by myself and my father who was paying for the premiums for my previous car as well am I entitled to any compensation? Have there been any cases like this that I can reference?

Answer given on April 09, 2017

If the wrong vehicle was being insured by your auto insurance company, there is responsibility on both sides. The insurance company should have changed the insurance to the new car, but there must have been a renewal policy issued over the time involved and you should have seen that the wrong car was listed on the insurance policy. If there ID cards for the car, it would and should have been noticed there too.The best solution is to work with your insurance company to adjust the premium to reflect the new car. If the cost of the insurance is higher then you will need to pay the difference. If it is lower, the insurance company should give you a credit for the difference. However, they may decline since the policy did renew and you should have noticed the wrong car was being insured. Hopefully there was no claim involved that brought this all to light as the insurance company could decline coverage due to the wrong car being listed.

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