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How long does a homeowners insurance refund take to process?

Can someone help me with my insurance question?

  • So I am having a little insurance problem and it is starting to make me mad and I want to know if anyone knows what I'm getting into. Back in December my husband was hit by another person in my vehicle. After two hospital visits (the first hospital decided that after a car accident where my husband's face hit the steering wheel that he didn't need an xray or scan because even if his nose was broken they were just going to send him home with the same pills....really!? Well I guess since it was Christmas Eve the doctor really didn't want to be there so who was I to judge) and two weeks later my lawyer had to file the claim because my insurance company (one of the big ones) wouldn't do it until I paid them (fine, I get it) and the guy who hit us tried to pretend it didn't happen (he lied). After a long process I get my new car which had a big screw up (that's what I get for buying used) and I had my first minor accident in my whole life. After fighting with my insurance company forever and them lying about sending out estimators (three times!) we finally got them to start the process. By this point, and after several other lies and screw ups, we decided to switch. We called to cancel our automatic withdrawl before the due date and told them we wanted to switch. Our new insurance agency said they were sending over the paperwork to the bank to switch our homeowners, etc. Well that was back on the 10th.....I check my spam email today and notice that six days ago I got a weird email from a woman I've never heard of saying "Past Due Bill". So I open this and it looks like a fraud email because nowhere in the sender's name, email heading, next to "Insurance Agent", or ANYWHERE on the email did it say the company's name. I only noticed because it was in her email address. They are now telling me I am past due! THEY NEVER CANCELED ME! I tried to call the 24 hour reps to get them to cancel it and help me out but they refuse to and say it has to be with the agent and will not answer my questions as to whether or not they are going to try to bill me for this. My question is, will they? Do they have any right to? I clearly canceled my payment, got another insurance agency, who sent paperwork to take away my homeowners from them, and their only contact was with an email that didn't even have the company name (it was by a secretary so it didn't even have my agent's name who is the only one I know). I feel like it wouldn't be fair but what do they care, this is their last chance to get my money.

  • Answer:

    No offense intended, but for a fairly simple question, you have a lot of extraneous information. The only thing I wanted to say is there is a proper procedure for canceling your insurance coverage, and there is some question whether or not that was followed. I wonder if your new agent goofed this up too? You mention he sent paperwork to the bank, but did he notify your prior insurance carrier too? I can tell you that you cannot just cancel your insurance by phone. (You had mentioned you had called the 24 hour rep to cancel this.) They would likely need something in writing. And just cancelling the automatic bank withdrawal is not the same. The insurance company only gets a "fail" message after they send out the automatic withdraw request to the bank, so they do not know if you canceled the authorization to withdraw, or if you lack the funds in your account. You did not mention what state you live in, and there are state laws pertaining to insurance cancellations. So I do not know what laws apply in your state. Your insurance company may have just followed the law in your state when a payment is late.

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If your question has to do with cancelling insurance, we don't care about your reasons, just ask your question next time. People, answering your question for free, do not need to read a huge story that doesn't directly pertain to your question. You say that your new insurer (agency or company) sent the information to your bank; "Our new insurance agency said they were sending over the paperwork to the bank to switch our homeowners, etc." Your mortgage company would have wanted the updated information, which would have been completely separate from your insurance company. Basically, I would check to make certain that your new agent provided the replacement information to the prior insurance carrier. There may be cancellation penalties depending on your state and the types of policies you had in force. Again, your question is about insurance cancellation and has nothing to do with the broken nose/concussion; it shouldn't have been included in the first place.

Casey Y

If you only called on the telephone, and did not communicate in any other way, then they can do anything that they could do if you did not call, because there is no way for you to prove what you said on the telephone. You can only prove that you told them something if you told them in writing, not on the telephone.

StephenWeinstein

OK, things are not being described clearly here. ANOTHER person was in your car, and hit your husband? Or your husband was in your car, and there was ANOTHER car that hit him?? And, just for the record, you can't put a cast on a broken nose. The way it's treated, is by letting it heal. Also for the record, if your account isn't "up to date", and your policy isn't active, it's not YOUR CURRENT INSURANCE COMPANY. The new car, has NOTHING to do with the old accident. I'm wondering, how in the world you could have your payments set up for automatic withdrawal, and be PAST DUE, not just ONCE, but TWICE. ???? Obviously, you don't keep enough money in your checking account to pay these bills. In some states, to cancel the old policy, the new agent/company has to send a special form to the old agency. In other states, the insured has to sign a form and return it to the old insurance company. Not only do they have a RIGHT to keep your policy in force until it's cancelled with the legal method required in your state, they have a DUTY to keep your policy in force until it's cancelled with the legal method in your state. Insurance is the most highly regulated business in the USA - even more than banking. And the rules MUST be followed. Since the new agent sent paperwork "taking the homeowners away", the old insurance company didn't receive anything on the AUTO. You need to call your new agent, and have them EXPLAIN how things work, in your state.

mbrcatz

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