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 Posted: Sun Oct 04, 2009 4:33 am Post subject: Cancellation with no notice? |
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| Two years ago i had two claims on our insurance, i was listed under my parents. In both of them, no one was injured, and the one was a parked vehicle. Insurance took care of it, said and done. We paid our bills all on time, and we just recieved a letter stating that our policy was dropped on the 25th of Sept, It's October 3rd. My whole family was driving for 8 days with no insurance and we had no idea. They said it was those two claims from 2 years ago. Isn't there some law saying that we need to be notified in advance or at least on the day of the cancellation?? there are a few more odd things about our insurance but that's irrelevant to this matter. Any help would be appreciated. |
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leiby06
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| Posted: Sun Oct 04, 2009 12:40 pm Post subject: |
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| Quote: | | Isn't there some law saying that we need to be notified in advance or at least on the day of the cancellation?? |
Sounds like this was a non-renewal, but yes you have to be notified prior to this. Each state has different laws on the books re: amount of time, and how. Either check your states dept of ins website or post your state, and I'll check for you.
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Lori
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| Posted: Mon Oct 05, 2009 5:39 am Post subject: |
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| I've come across a number of instances at the forums wherein the carrier records show that the notification was delivered in time, but actually it never reached the insured. On most occasions it was explained how it was the responsibility of the policyholder to stay updated about the status of his insurance. Steven |
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steven
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| Posted: Tue Oct 06, 2009 4:43 am Post subject: |
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All states have different notification requirements concerning cancellation and non-renewal of different kinds of insurance policies. Auto insurance normally has different notice mandates than property insurance; personal lines different than commercial insurance.
Insurers normally send out a couple of different notices and are typically required to send notice to the last known address on file of the insured. The first thing that I would do is call the agent to find out what's going on, as well as to ask why you weren't notified by the agent with at least a phone call.
Secondly, is there any possibility that, ummm, there's a problem with the mail at your house? The only reason I say this is because I have teenagers and I have witnessed them trying to intercept mail. 
Good luck on this one, and let us know if there's anything else.
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InsTeacher
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| Posted: Tue Oct 06, 2009 5:37 am Post subject: |
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| Yes, I'm also wondering if there's any problem with the mail. Even when it's not mandatory for the agent, he should be able to search his records and tell you if anything went wrong at the other end. |
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steven
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| Posted: Wed Oct 07, 2009 1:34 am Post subject: |
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I think our OP has found his answer...he hath abandoned us.
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InsTeacher
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| Posted: Wed Oct 07, 2009 10:53 am Post subject: |
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| Quote: | | I think our OP has found his answer...he hath abandoned us. |
 funny how that happens...In your experience Ins. teach have you EVER seen a time when a carrier did not comply with their state laws regarding notification of non-renewal, or cancelation? (I have not, but that's not my arena either.)
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Lori
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| Posted: Fri Oct 09, 2009 12:18 am Post subject: |
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| Quote: | | funny how that happens...In your experience Ins. teach have you EVER seen a time when a carrier did not comply with their state laws regarding notification of non-renewal, or cancelation? (I have not, but that's not my arena either.) |
In my experience, I have rarely seen a carrier fail to inform their client of these type of actions. Have I actually ever seen it? Yes, but that was back in the day of everything on paper and nothing on computers. Loooooong time ago! Today? Almost impossible for this to occur, and I'll bet you a month's salary that several notices were sent to the last known address on file at the insurer. As well, the producer probably tried to contact the insured.
Hmmmmmm- never the client's fault, huh?
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InsTeacher
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| Posted: Sat Oct 10, 2009 4:36 am Post subject: |
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whoever gets the mail in my household does the same thing, takes what they need, and puts the rest on a certain part of the dining room table. I'm 19 and my brother is 25. so the interception of mail is highly unlikely. i plan on calling my ex-carrier monday to find out the reasoning, only because of the amount of sudden inconveniences and headaches it caused all of us. i probably just have to get used to the fact that life sucks.
Sorry for the late reply, by the way. And thank you all for your information. |
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leiby06
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| Posted: Sat Oct 10, 2009 6:01 am Post subject: |
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I'd thank God since he's saved you from the risks that you'd borne for all these 8 days. Yes, you should call on your carrier and ask for an explanation.
But I think you should call on your agent and make sure that he knows nothing regarding this cancellation. Also, stay in touch with us!
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anonymous00
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| Posted: Sat Oct 10, 2009 3:24 pm Post subject: |
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| Quote: | | i probably just have to get used to the fact that life sucks. |
yep, unfortunately most of the time it does...this whole "grown-up" thing, didn't turn out to be near as cool as we were led to believe.
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