D
debrn
Guest
What is the name of your state? California
I contacted the California Department of Insurance regarding the circumstances set out below. They stated they could only make a determination in reference to cancellation. If cancellation notification was performed within 10 days, then correct. The insurance company provided employee logs as proof of mailing.
My logs (written on calendar) of repeated faxings are not considered proof (only my word against theirs) according to the Department of Insurance.
After reading my appeal, would you recommend small claims action on my part? Or, is it simply that the insurance company can bill any amount they want and the consumer must comply even if incorrect?
I have copied my appeal below:
On June 18, 2002, I purchased insurance with California Automobile Insurance Company for a total premium of $895.00. I paid, on 6-18-02, $275.70 via my MasterCard. My monthly payment was to be approximately $140.00.
On July 17th, 2002, we were notified of an increase, a monthly payment of $199.00, $1129 for the total premium. This increase was due to alleged non-submittal of good grades and record of previous insurance.
We faxed and telephoned repeatedly, over and over again, to employee, Chris of AMSG, to make sure they received the required documentation and thus a reduced policy equal to the amount originally contracted for. Eventually, after many re-faxings, they said they had our faxes in their possession.
However, I was billed again the $199.00 a month in August, 2002. They also demanded past amounts which included the erroneous higher premium amounts to be paid.
I paid $317.30 via my Master Card on August 14, 2002. We continued to telephone AMSG to get the correct premium amount and our account adjusted accordingly. No surprise to us, they said they again couldn’t locate the documentation and we re-faxed.
Another revised policy was mailed September 13, 2002, reducing our policy to the original amount of $895.00. The balance left owed is approximately $303.00. They said they cancelled my insurance on September 7th, 2002.
This cancellation notice was not received by me until later in October after my daughter had an accident on October 13, 2002. Coverage of the accident, claim #vw007543-51 was denied.
Points to note:
1. I have paid a total of $593.00 against a premium of $895.00. That amount was paid by August 14, 2002. Coverage began June 19, 2002 and expired on December 19, 2002. Thus, there were four additional months left to pay $303.00.
2. I did not receive notice of cancellation until after the accident.
3. You will note that I was cancelled before the corrected policy was even mailed (September 13, 2002).
Sorry this is so long. Any help would be appreciated.
I contacted the California Department of Insurance regarding the circumstances set out below. They stated they could only make a determination in reference to cancellation. If cancellation notification was performed within 10 days, then correct. The insurance company provided employee logs as proof of mailing.
My logs (written on calendar) of repeated faxings are not considered proof (only my word against theirs) according to the Department of Insurance.
After reading my appeal, would you recommend small claims action on my part? Or, is it simply that the insurance company can bill any amount they want and the consumer must comply even if incorrect?
I have copied my appeal below:
On June 18, 2002, I purchased insurance with California Automobile Insurance Company for a total premium of $895.00. I paid, on 6-18-02, $275.70 via my MasterCard. My monthly payment was to be approximately $140.00.
On July 17th, 2002, we were notified of an increase, a monthly payment of $199.00, $1129 for the total premium. This increase was due to alleged non-submittal of good grades and record of previous insurance.
We faxed and telephoned repeatedly, over and over again, to employee, Chris of AMSG, to make sure they received the required documentation and thus a reduced policy equal to the amount originally contracted for. Eventually, after many re-faxings, they said they had our faxes in their possession.
However, I was billed again the $199.00 a month in August, 2002. They also demanded past amounts which included the erroneous higher premium amounts to be paid.
I paid $317.30 via my Master Card on August 14, 2002. We continued to telephone AMSG to get the correct premium amount and our account adjusted accordingly. No surprise to us, they said they again couldn’t locate the documentation and we re-faxed.
Another revised policy was mailed September 13, 2002, reducing our policy to the original amount of $895.00. The balance left owed is approximately $303.00. They said they cancelled my insurance on September 7th, 2002.
This cancellation notice was not received by me until later in October after my daughter had an accident on October 13, 2002. Coverage of the accident, claim #vw007543-51 was denied.
Points to note:
1. I have paid a total of $593.00 against a premium of $895.00. That amount was paid by August 14, 2002. Coverage began June 19, 2002 and expired on December 19, 2002. Thus, there were four additional months left to pay $303.00.
2. I did not receive notice of cancellation until after the accident.
3. You will note that I was cancelled before the corrected policy was even mailed (September 13, 2002).
Sorry this is so long. Any help would be appreciated.