What is the name of your state? New York
On December 2, 2005 I went into my insurace agents office and paid the bill. It was late butI could do nothing about it. The check was presented at my bank and unfortunatley due to an ATM error in trasferring money, the bank did not honor the check. I have proof of the mistake the bank made.
I called the insurace office and told them what happened and then went in the next day to pay the bill in cash. This was about the 14th. 10 minutes after leaving I was called by the insurace office and told that the policy was terminated and I would have to come back and pick up the money. I immediatly went out and obtained new insurance effective as of the 16th of December.
A day or so later, I received a letter from The NY State DMV stating that my original carrier cancelled the policy as of 12:01 AM, 11/18/05 and that I need to supply proof of insurance regarding the 28 days in between. I told them that I had no insurance during that time period because I was never notified that my insurance was cancelled as of the 18th. I was told about it on the 14th and immediatly resolved the issue.
Now I am being held responsible for the 8 dollar fine, per day,per car ( ther are two involved on the policy) and the insurance company says that they aren't responsible because I didn't pay the bill.
I understand that the cancellation date is the renewal date but can the insurance company cancel a policy as of a past date? Be aware that I received a refund check from them for monies received from premiums that were not used based on the cacellation date. My payments are made ahead of the time they are paying for.
I can see how I might be responsible for the fines incurred for the 2 days it took me to find insurance but how can I be responsible for the time it was cancelled that i was never notified of?
On December 2, 2005 I went into my insurace agents office and paid the bill. It was late butI could do nothing about it. The check was presented at my bank and unfortunatley due to an ATM error in trasferring money, the bank did not honor the check. I have proof of the mistake the bank made.
I called the insurace office and told them what happened and then went in the next day to pay the bill in cash. This was about the 14th. 10 minutes after leaving I was called by the insurace office and told that the policy was terminated and I would have to come back and pick up the money. I immediatly went out and obtained new insurance effective as of the 16th of December.
A day or so later, I received a letter from The NY State DMV stating that my original carrier cancelled the policy as of 12:01 AM, 11/18/05 and that I need to supply proof of insurance regarding the 28 days in between. I told them that I had no insurance during that time period because I was never notified that my insurance was cancelled as of the 18th. I was told about it on the 14th and immediatly resolved the issue.
Now I am being held responsible for the 8 dollar fine, per day,per car ( ther are two involved on the policy) and the insurance company says that they aren't responsible because I didn't pay the bill.
I understand that the cancellation date is the renewal date but can the insurance company cancel a policy as of a past date? Be aware that I received a refund check from them for monies received from premiums that were not used based on the cacellation date. My payments are made ahead of the time they are paying for.
I can see how I might be responsible for the fines incurred for the 2 days it took me to find insurance but how can I be responsible for the time it was cancelled that i was never notified of?