SO confused about this car insurance issue?

Question

ok, due to being in the hospital giving birth, i missed a second payment on my car insurance in one term. i was told by my broker that was it, there was nothing i could do, they would cancel. my insurance company is ING. i said ok so what next? she told me on july 10th that they were sending out a registewred letter that day stating it was cancelled (my payment was late on june 25th). 2 wks later i had not received anything so i called my broker again. this was at 1 pm (they close at 4) and no one called me back. finally, i called back again, she called ING and called me back saying ok they said if you can pay it today it wont be cancelled (i had asked MULTIPLE times if this was an option, i was told no) by the time she told me that, it was 330 pm. I live a 1/2 drive away and by the time i got the baby together, went to the bank etc, it would be after their closing time so i couldnt do that. i contacted another broker who my mother deals with and he told me that they would send me my

registered letter but legally i should have 15 days after receiving it to pay the oustanding balance and it would be reinstated. so i tried not to stress. now i have received my registered letter and no where on it does it give me the option to pay the balance and be reinstated. it looks like a final notice to me. whats going on here and why am i getting different answers? and why was i only given the option to pay it at the VERY last minute, when i had asked about it multiple times before? can anyone help?
p.s. i got two letters that say the exact same thing...

to scott - umm comsidering my son decided to come a few weeks early, i wasnt really prepared. and if you dont have any advice to give, dont say anything at all. how did that help me at all??

Answer 1

You did know you were pregnant, I'm assuming and you probably had a fair idea of when the baby was due. Why didn't you pay the insurance ahead of time if you knew you'd be out of commission for a few days?

Edit. I know it wasn't useful. I was trying to make the point that if you had your affairs in order, you wouldn't be asking this question and you'd still have insurance coverage. You're coming across as some kind of victim here, like the insurance company is conspiring to deny you coverage, when the whole situation could have easily been prevented.

Answer 2

You can save on your insurance by compare quotes at FREETOINSURE.INFO-

RE SO confused about this car insurance issue?

ok, due to being in the hospital giving birth, i missed a second payment on my car insurance in one term. i was told by my broker that was it, there was nothing i could do, they would cancel. my insurance company is ING. i said ok so what next? she told me on july 10th that they were sending out a registewred letter that day stating it was cancelled (my payment was late on june 25th). 2 wks later i had not received anything so i called my broker again. this was at 1 pm (they close at 4) and no one called me back. finally, i called back again, she called ING and called me back saying ok they said if you can pay it today it wont be cancelled (i had asked MULTIPLE times if this was an option, i was told no) by the time she told me that, it was 330 pm. I live a 1/2 drive away and by the time i got the baby together, went to the bank etc, it would be after their closing time so i couldnt do that. i contacted another broker who my mother deals with and he told me that they would send me my

Answer 3

I might suggest you to try this internet site where onel can compare quotes from the best companies: http://COVERAGEQUOTES.NET/index.html?src=2YAmsqryUX53

RE :SO confused about this car insurance issue?
ok, due to being in the hospital giving birth, i missed a second payment on my car insurance in one term. i was told by my broker that was it, there was nothing i could do, they would cancel. my insurance company is ING. i said ok so what next? she told me on july 10th that they were sending out a registewred letter that day stating it was cancelled (my payment was late on june 25th). 2 wks later i had not received anything so i called my broker again. this was at 1 pm (they close at 4) and no one called me back. finally, i called back again, she called ING and called me back saying ok they said if you can pay it today it wont be cancelled (i had asked MULTIPLE times if this was an option, i was told no) by the time she told me that, it was 330 pm. I live a 1/2 drive away and by the time i got the baby together, went to the bank etc, it would be after their closing time so i couldnt do that. i contacted another broker who my mother deals with and he told me that they would send me my
Update: registered letter but legally i should have 15 days after receiving it to pay the oustanding balance and it would be reinstated. so i tried not to stress. now i have received my registered letter and no where on it does it give me the option to pay the balance and be reinstated. it looks like a final notice to me. whats going on here and why am i getting different answers? and why was i only given the option to pay it at the VERY last minute, when i had asked about it multiple times before? can anyone help?
p.s. i got two letters that say the exact same thing...
Update 2: to scott - umm comsidering my son decided to come a few weeks early, i wasnt really prepared. and if you dont have any advice to give, dont say anything at all. how did that help me at all??
Follow 7 answers

Answer 4

Well........

You CAN be reinstated (They may have to rewrite you...) but you are going to have to pay a lot of money up front. You will also have to sign an affidavit stating that you have not had any accidents since your insurance lapsed.

You should do whatever it takes to get reinstated with that carrier. Then, you may want to consider shopping around. It is better to shop for insurance while you HAVE insurance rather than shopping for insurance when you DON'T have insurance. You will get dinged for no insurance.

Goodluck!

~jifr!

Answer 5

Call again. You really don't want to be cancelled. I had a policy cancelled a few years ago and I had to get high risk insurance for 3 years at a very high cost.

Answer 6

For free insurance quotes

Answer 7

CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND THIS WAY YOU WILL BE ABLE TO SEE FIRST HAND ALL INSURANCE COMPANIES INCLUDING THEIR RATINGS AS WELL AS HOW THEY PAY AND TREAT CONSUMERS AND MAYBE BE ABLE TO ASSIST YOU.