Overcharged On Premiums for 24 months

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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: Jan 8, 2019

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Insurance Question from San Buenaventura, CA

Asked on 01/08/2019

Overcharged On Premiums for 24 months My Car Insurance Has Been Charging Me More Every Month For My car As I Noticed That My New Insurance Card Stated That My Car Is A Hybrid, When I Have A Regular Sedan NOT Hybrid. I Called Them But They Stated They Are Only Available To Refund Back 30 Days. I Don't See That In Their Policy. What Can I Do To Get A Refund?

Answer given on April 15, 2019

While this mistake was costing you additional premium, you, as the policyholder, are expected to review your policy when it is issued or when there is a change in cars. The insurance company and/or insurance agent should have also confirmed the correct vehicle, and usually the VIN of the car will indicate what model it is.  You should confirm that the VIN is correct on the policy.  If it is not correct, get that fixed immediately. 

Most insurance companies will work with the customer when this happens.  30 days is the norm for backdating, but you should try to speak to a supervisor or manager to see if they will go back further.  It is unlikely they will go back the full time, since there has been at least one renewal of the policy, and it is expected that the policyholder will review the policy at that time. However, you may be able to get additional compensation for a few more months.  

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

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