But on 1/15/19 I received their "Notice of lapse" due to Insured's Request to Cancel policy dating my cancellation date back to 12/24/18. Huge surprise! They went into my bank account and AUTO-DEDUCTED $808 out anyway on 12/27/18 and didn't respond to my cancellation request for almost a full MONTH.Īt first I thought this was due to the Holidays and simply an oversight. My next payment wasn't DUE until 12/25/18 and I was paid up through 12/24/18 so I CANCELLED MY POLICY on 12/24/18 at 11 AM. Mid-December, I received a letter from The General billing department stating they had determined I had been using my vehicle in an inappropriate manner (although I was simply driving it to a check cashing place) and so I had one of 2 choices: 1) Remove the vehicle immediately from my policy and/or CANCEL the policy altogether, or 2) Pay OUTRAGEOUS premium of $808/month to continue coverage.
I will be contacting the attorney general for AZ, I suggest others to reach out to their state as well. So the claims department sucks which makes you want to change insurance providers and then they charge you for early termination. You will not have coverage for the 10% paid, you basically give them that amount for terminating early. So let's just say the 10 days add up to $20, you will pay 10% of the remaining $1000. So here is the gist of their policy, if you start insurance with them and the year premium is $1020 and you cancel after 10 days- you will pay the full daily amount for the 10 days, that's reasonable. If I had cancelled when I first intended to I would have owed more money.
Again my driving record is clean, I have no at fault accidents, my payments are on time and this is my son's first accident and he's 23. I said my payment was just pulled out of my account on the 15th (today is the 22nd) and it was $345 for both cars how can I possibly owe money? She said they calculate the days of use up to the cancellation date plus 10% of the balance of the year policy.
She put me on hold and came back and told me I would actually owe $18. I called to find out how much money I would get back if I cancelled today.
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