Should I pay this extra fee or fight it?

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PostPosted: Sun Jan 17, 2016 4:54 pm   Post subject: Should I pay this extra fee or fight it?  

I faxed my insurance company on November 17, at noon saying that I was discontinuing my service with them. My insurance ended on November 18. I later received a $49 charge in the mail saying I still owed them. I called and asked about it and was told because I faxed them half a day early I was charged an extra fee. If I would have put the notice in the next day I would not have been charged. I have not paid yet and have been in discussion with the insurance company, but have been told they were going to collections. The premium had been paid in full. I had been with the company 15 years. Never had an accident or filed a claim. This seems a bit heavy handed and not right. I did not see anything in my insurance information saying this would happen and had I known I would be charge an extra fee I certainly would of discontinued the insurance the next day. I thought if I sent the fax the day the insurance ended that was too late. What are my options?

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PostPosted: Mon Jan 18, 2016 9:34 am   Post subject:   

I suggest you to go through the policy agreement once again. If anything is not written there about the additional charges, do not pay them.


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PostPosted: Mon Jan 18, 2016 4:51 pm   Post subject:   

What type of insurance costs $49/day? That would be about $17,800/year. What type of insurance is billed on a daily basis?

Something is not adding up.


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PostPosted: Mon Feb 01, 2016 5:42 pm   Post subject:   

What type of insurance costs $49/day?
It's not about $49/day, the policy probably has a Cancellation Fee of $49. The insured's problem is he asked for a cancellation instead of simply not renewing. Those are two different things.

It's a common problem when people don't read their contracts.

He could simply refuse to pay it and wait to see if they sue him for it.


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
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