G
glad2balive
Guest
What is the name of your state? Texas
We have (had?) an auto policy on a financed vehicle, paid monthly. Last due date was 11-21. Last payment mailed 11-20.
Cancellation notice received on 11-28,which we disregarded because we knew payment had been mailed.
On December 13...22 days after mailing the payment....21 days after the insurance due date...we were involved in a terrifying wreck. No other vehicles were involved, but ours seems to be a total loss. 2 days later, on December 15th, we received notice that our insurance had been cancelled, and payment returned. According to the paper, it was returned because payment was "received more than 10 days past the due date". I know that there is no way that it was actually received in the office more than 10 days past the due date, However I don't doubt that it was that long before it was processed. I desperately wish that I had the envelope the payment was mailed in, with the postmark....or any other way to prove that it had to have been in their possession before that. Do we have any recourse whatsoever? I am not trying to get something for nothing....it's not as if we wrecked our vehicle and then tried to hurry up and pay our insurance premium. We made the payment in good faith, over 3 weeks before the accident occurred...and had no idea that they had supposedly received it too late.
We have (had?) an auto policy on a financed vehicle, paid monthly. Last due date was 11-21. Last payment mailed 11-20.
Cancellation notice received on 11-28,which we disregarded because we knew payment had been mailed.
On December 13...22 days after mailing the payment....21 days after the insurance due date...we were involved in a terrifying wreck. No other vehicles were involved, but ours seems to be a total loss. 2 days later, on December 15th, we received notice that our insurance had been cancelled, and payment returned. According to the paper, it was returned because payment was "received more than 10 days past the due date". I know that there is no way that it was actually received in the office more than 10 days past the due date, However I don't doubt that it was that long before it was processed. I desperately wish that I had the envelope the payment was mailed in, with the postmark....or any other way to prove that it had to have been in their possession before that. Do we have any recourse whatsoever? I am not trying to get something for nothing....it's not as if we wrecked our vehicle and then tried to hurry up and pay our insurance premium. We made the payment in good faith, over 3 weeks before the accident occurred...and had no idea that they had supposedly received it too late.