Prisoner_Number_Six
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Mon Jan-17-05 05:25 PM
Original message |
Found out I've been driving sans insurance the past month |
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Edited on Mon Jan-17-05 05:26 PM by Prisoner_Number_Six
and am I honked off. I knew the payment was due, so I went into the office (half way across Dallas County) and hand-delivered the check. This was mid-December (their office is a short drive from the VA hospital, and I went there after a clinic appointment).
I called this morning to make a credit card payment, and was told my account had been cancelled because I never paid in December. Sure enough, looking at my account (online), the check never cleared. Gone. Up in smoke. His-To-Ree.
So, I started shopping, and before the day was done I had me a shiny new policy with the same terms, but with a monthly premium that costs me 33% LESS. AND this company can do direct banking! The old one wasn't set up for it.
I told my new agent to get a divorce, because I was in love and wanted to marry her. She didn't say no... :evilgrin:
The best part is, their office is all of a three minute drive from me. Why the hell didn't I go to them before?????
*kicks self across room and back*
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Bronco69
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Mon Jan-17-05 05:31 PM
Response to Original message |
1. Did you call and cancel the check even though it hasn't cleared? |
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Insurance companies are crafty bastards and if you don't cancel the check they will keep part of it as a "service charge."
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Prisoner_Number_Six
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Mon Jan-17-05 05:36 PM
Response to Reply #1 |
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Hadn't thought of that- but since my old policy dies a quiet death officially tomorrow, I don't think it's ever gonna turn up.
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RebelOne
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Mon Jan-17-05 05:39 PM
Response to Original message |
3. I agree with Bronco69. |
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Call your bank and stop payment on the check.
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Left Is Write
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Mon Jan-17-05 05:44 PM
Response to Original message |
4. If you hand delivered that check and then had had a claim |
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on the policy afterward, you'd have had an excellent case. The insurance company would have wound up having to cover the loss.
Also, it doesn't sound like you received a cancellation notice. You cannot be cancelled without notification. If you wanted to go to the trouble, you could file a complaint with the State Insurance Board.
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Prisoner_Number_Six
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Mon Jan-17-05 05:48 PM
Response to Reply #4 |
5. I'm gonna let the policy die a quiet death |
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since they unwittingly did me a great favor. I've been thinking of policy-shopping for some time, and this just made it necessary. I got my new policy in less than two hours once I decided to switch. The old company will still carry my life insurance policy (I have no reason to change that, and I bear them no ill will), so all in all it worked out to be a good day. I got lucky (or am just good- I haven't had an accident in almost 20 years).
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unblock
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Mon Jan-17-05 06:15 PM
Response to Original message |
6. might want to ask them about any such fees first |
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it might not be worth the $20 or so to put a stop on the check.
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DU
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Mon May 06th 2024, 05:20 AM
Response to Original message |