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Car Insurance Company = no clue

Discussion in 'General Chit-Chat' started by gabagoo, Sep 10, 2012.

  1. gabagoo

    gabagoo Major Contributor

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    Oct 10, 2006
    Vaughan, Ontario
    I, like many people deal through a broker for business, home and car insurance. To get the best rates generally everything is put through the same company.

    So here is my story....

    I owned 2 cars and we have 3 drivers in the household...my son is 20 and is listed as an occasional driver at $2200.00 a year.

    I decided to lease a new vehicle 3 months before my older vehicle lease was up and decided that we would run 3 cars for 3 months, until the older lease was up. This gave my son a car exclusively and the insurance company added $1230.00 for that 6 month period still left on my policy.

    So after the 3 month mark we give back the older leased car and also trade in my wifes car for a new compact car putting us back to 2 new vehicles. I called my broker and told him we were now back to 2 vehicles and that my son needs to go back as an occasional driver....

    2 weeks later I receive a cheque for $505.00. I call the broker and ask if this is correct that I only get back 1/3 of a payment made that I only used 50% of.

    he said that because we got rid of a car and got a new car and also went back to 2 cars they would have to make adjustments.

    I figure if I didn't call I would get nothing else but who knows.

    Today I get a cheque from the insurance company for another $730.00...this with the $505 previously gotten puts me back to never have paid extra for the 3 months of having that extra car.

    Are these guys crazy? They have obviously screwed up and I will definately put the cheque in the bank. I just wonder how long it will take for them to realize they screwed up?
     
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  2. CanuckSigns

    CanuckSigns Very Active Member

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    Ontario
    they will get you, trust me! I got chased by state farm for less than $20 once,

    I've always found the best way to get an insurance company to return your phone calls is to miss a payment, all of a sudden they have all the time in the world for you!
     
  3. SD&F

    SD&F Very Active Member

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    Oct 4, 2009
    I would hope that it is correct and that they are just srewy. They usually don't make mistakes when it comes to money around here.
     
  4. jfiscus

    jfiscus Adobe Shinobi

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    Apr 2, 2009
    Cincinnati, OH
    Check your bank's policy on insurance company checks - most hold checks from them for 10 business days, for this reason...
     
  5. gabagoo

    gabagoo Major Contributor

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    Oct 10, 2006
    Vaughan, Ontario
    I think they dont realize that they sent me a cheque for 505 and thats what they will want back, but seeing that they sent me so much money I may as well hold it until the request it back
     
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