Being charged for expired auto policy?

  • by The Inconvenient Truth
  • Oct 26,2018
  • 9 answers

Being charged for expired auto policy?


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Insurance Answers (9)

Linda 6 months ago

Call the insurance company and explain it all to them.

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mbrcatz 6 months ago

As long as the new policy started the exact date and time of the expiration of the old policy, AND you notified the old insurance company of the change, there should not be any charge after the renewal date.
However, if you "missed" the last payment, and cancelled for nonpayment, or incurred additional charges, or did NOT move the coverage effective the expiration date, most likely you do owe them money, and they are most likely entitled to collect.

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curtisports2 6 months ago

Did you notify them that you were changing companies? You needed to. If you have proof that you were insured ON the day the previous policy expired, make a copy and send it to them by certified mail with proof of delivery. You will not owe them any money.
Once you receive notification from USPS that what you sent them was received, follow it up with a phone call. If they continue to say you owe them, tell them that if they damage your credit, you will sue them. Send them a letter, certified, that says the same thing.
Most insurance companies, when you sign up with them, will automatically notify the old company so that things like this don't happen, but you need to do it yourself.

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james 6 months ago

Yes If you don't drive the vehicle. Just let it set. You need inform DOT so you do not get charged for plates & insurance. Failing to pay. You can not sell or junk the vehicle till all fees are paid to the DOT. If you junk the vehicle you must give the title back to the DOT. This is because your plates are your min. Insurance here. You need renew them once a year. Or inform the D.O.T. the vehicle is no longer in service. You often see older vehicles here for sale that say last plated 3 or 4 years ago for parts or such. You have to pay all fees before title can transfer. Then turn in the title as a junk vehicle.

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STEVEN F 6 months ago

Unless you FORMALLY cancelled the policy BEFORE it expired, YOU are guilty of breach of contract. Next time READ the contract you sign.

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linkus86 6 months ago

Chances are you are misunderstanding the bill. Your policy may have expired but your insurer is giving you a chance to get reinstated. Take it if you aren't otherwise covered. A gap in auto insurance will cost you big time.
Or, you signed up for a 6 month policy and didn't pay all the installments of the policy.

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Stoo 6 months ago

If you didn't cancel the insurance you have to pay it - getting new insurance doesn't cancel the old. And if you're under contract with them and owe them for a term, you have to live up to what you signed off on.
We have no idea what precisely you did here, but it's probably easier to just pay them off - or get them to explain why they think you owe them money and take that to a lawyer, but a lawyer's hourly fee is probably more than your monthly auto insurance fee.

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babyboomer1001 6 months ago

If that is the contract you signed, pay the penalty, and stop complaining about what you signed and cannot change after the fact.

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Casey Y 6 months ago

You are likely able to provide them a copy of your replacement coverage and would need to sign a form.
If you didn't notify them and thought the policy would simply cancel, you are incorrect. They are required (by the state) to offer a grace period. As such, you were actually covered on that policy for some days after the renewal went unpaid.
If you bought your insurance online...good luck getting any help.

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