My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
2007-05-08 06:22:42 · 5 answers · asked by karateface 2 in Cars & Transportation ➔ Insurance & Registration
My main problem is not the rate increase. The insurance company received my payment on time. But, they did not POST it until a few days later. sometime in this period of a few days, the DMV audited the insurance companies system and decided this was a lapse I guess. I had to give the DMV 500.00 or lose my registration. This was 6 months ago. It took us 4 months to get the insurance agent to tell us what really happend (they are good at the runaround game). They said that they had sent the paperwork to the DMV and that we should be getting our check in 30 days as the insurance compay was at fault. This month my insurace is 100.00 more and I called the DMV and they recieved the paperwork, but not a follow up call they were supposed to get. Since I called them, I personally was able to give the OK to send the packet to the refund department. My insurance company says that the extra 100.00 is for "reinstatement of coverage", coverage I never lost in the first place.
2007-05-08 07:55:01 · update #1
you can visit the company's official website from where you can know about the insurance procedure / rates etc.
usually the vehicle is insured on the depriciated price and if the same company is continued every year, then they give the no claim bonuses.
There is a unique number called the "Cover Note" number from which you can trakc down your insurance details from the company.
Wish u luck Buddy!!!!
2007-05-08 06:32:21 · answer #1 · answered by pritpalsachdev 4 · 0⤊ 0⤋
1
2016-09-25 20:55:08 · answer #2 · answered by ? 3 · 0⤊ 0⤋
You definitely would not have a small claims lawsuit (what would you be suing for??) - but what you should do is discuss with your agent and find out why your premiums are increasing - usually premiums do increase regardless of no claims/no tickets - due to inflation and increased risk assessment. If your insurance agent cannot give you a reasonable explanation to the increase in your premium, you may be able to file a complaint with your state's department of insurance.
2007-05-08 07:40:51 · answer #3 · answered by S17V 4 · 0⤊ 0⤋
Shop around for a better rate. Rate increases are typical, it's nothing unusual. You have no case with the insurance commission or in Small Claims Court.
2007-05-08 07:39:08 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
More than likely, it is just a standard rate increase and has nothing to do with you personally. In which case, you really can't do anything. If you are unhappy with your current insurance provider, I suggest you shop around. There are plenty of good companies out there that would love your business.
2007-05-08 06:38:13 · answer #5 · answered by Nate W 5 · 0⤊ 0⤋