Where is the best place to complain about car insurance company cancelling my policy over the phone instantly?

Question

I was a policy holder for 2 vehicles insured through 2 companies.I had an accident and reported it to the appropiate company.I sold one car and i got the renewal notice for the one vehicle left.I decided to use a new insurance company,which was cheaper,and i notified the existing one that i will not be using them.They asked me the reason,which i explained,and then they try to update the information,by asking me if anything changed since my policy was issued.I told them that i did have an accident,reported to the other insurance company,and claimed through the other policy.The moment they heard this,they told me that my insurance with them is cancelled,as from that moment,and even though i am away from home,i have to leave the car as i am no longer insured.This happened just 2 days before the new policy with the new company was due to start,so i had to bring forward the starting day by 2 days.Does this sound right?Can they do that?

Answer 1

Depending on your state, it is typically required that the insurance company give you advanced notice before cancelling your policy.  For example, in my state an insurance company has to provide 13 days notice beforce cancelling somebody for underwriting reasons.  Perhaps you misunderstood and they stated that they'd be cancelling your policy but didn't specify the future date?  If not, I would follow the advice of the other posters and file a formal complaint against the company and possibly the representative you spoke with.  You can do this with the Insurance Commissioner in your state.  Just do a google search of "(your state) department of insurance" and their website should pop up which will provide with with details on how to file a complaint.

Answer 2

You should get the number of the insurance commissioner in your state.  They can answer your question.  Good Luck!

Answer 3

Clearly, there could be some misunderstanding, giving you the benefit of the doubt here is what i have to offer...



1) Contact your Insurance company that you claimed from and see if the claim is resolved? Is your claim an at fault or not at fault claim? If its an AT FAULT claim, find out the cost of damages, try and pay it off. If its a NOT AT FAULT claim, then ask them for the reason why its not closed and get to the bottom of it. Usually, claims are in dispute and its the policy holder who pays high premiums during the unresolved time periodfrom the date of the incident. You could get a refund on the additional premiums which you have had to pay, assuming that the case is resolved.

In regard to your other/second car insurance you need to give them details of your accident history. If they find an incident in the database that you have not reported previously it is a breach of utmost good faith. So give them your history and hopefully they should reinsure your car.

For complaints in UK,or a similar body from the cuntry you reside in. Hope this helps. contact http://www.financial-ombudsman.org.uk/

Answer 4

probably your state's insurance department

Answer 5

It sounds like non-disclosure to me and if so then they would be well within their rights.

Answer 6

I work in the UK, and yes I'm afraid the insurer was right to cancel your policy.  When you had the accident, you should have notified both insurers, not just the one which insured the vehicle in which you had the accident.  You are expected to notify anything which could increase the risk, otherwise your policy may be cancelled due to non-disclosure.

Answer 7

Use the search engine like google or yahoo to brainstorm some ideas first if you want to obtain the massive information,if you do not want to spend too much time,here is a good resource for your reference about your questions.http://carinsurance.expertsupport.info/a...

Answer 8

You can complain to the state insurance commission, and you can always let the Better Business Bureau know.

Just for reference, it doesn't matter that the other car wasn't insured with them.  The fact that you had an accident makes you a higher risk driver.  Though most states prevent them from cancelling your auto insurance instantly, they may have had some clause about withholding information, even if it wasn't on something they insured.  Your state insurance department could probably clarify that for you too.