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Cancelled car insurance Tikaytasha 17 kids; New York 11503 posts
Mar 18th '13

So, my insurance agent I've had for the last 2 years retired. I got a new agent a few months ago, but just called today cause I knew it was getting close to renew my policy.



He informed me that apparently my payments weren't ever sent in, and my policy was cancelled in August. So I've been driving around for the last 7 MONTHS without freaking insurance! No one notified me or nothing. He called DMV and there weren't any suspensions on my license or anything, so we renewed my policy.



But..




He said it'll probably eventually catch up with the DMV and they'll do one one two things: either make me pay $8 a day since August or make me turn in my plates for 7 months. Wtf! Has anyone ever had to deal with shit like this? Did DMV actually make you follow through with that shit?

ILOVEWINE Due April 24; 2 kids; Sweden 10814 posts
Mar 18th '13

How did you not know? Like didn't you think it was weird you weren't paying?

Shannon +4 Due February 22 (boy); 4 kids; Beaumont, Alberta 9281 posts
Mar 18th '13

How did you not know you did not pay it? Is it direct withdrawal?

Tikaytasha 17 kids; New York 11503 posts
Mar 18th '13

I paid for the year ahead of time. So idk what the hell happened and that office has no clue either since that agent no longer works there. So basically I'm SOL out of the money I gave her .

**Quinn** 1 child; f**k it, CA, United States 5205 posts
Mar 18th '13

If it were me, I'd go to the DMV and ask them. $8 a day at 7 months is about $1700. I mean, I'd rather pay the $1700 and not have the suspension possibly catch up with me, but that's just me. I don't know how much a suspended license would cost, but I'd still rather have it show that I always had insurance.
Just wondering, how did you not know the payments weren't coming out? We pay $235 a month for a new Mazda CX-7 and a 2006 BMW Z4 and $144 for a 2013 Harley V-Rod Nightrod. I would totally notice if that didn't come out, but our payments are auto-drafted on the same date every month so we always know when it's coming out.

A.K.'s Mommy❤ TTC since Jul 2013; 1 child; Dayton, Ohio 1803 posts
Mar 18th '13

Did you pay by check or credit/debit? That happened to us before; We called ourcredit union & they sent us the Transcript of the check that was cashed by the insurance company as proof to show that we did indeed pay.

Mrs.Mud 6 kids; 2 angel babies; North Dakota 3314 posts
Mar 18th '13
Quoting Tikaytasha:" I paid for the year ahead of time. So idk what the hell happened and that office has no clue either since that agent no longer works there. So basically I'm SOL out of the money I gave her ."


Whether the agent is there or not, there should be a record in your file. Do you have a receipt? Go back in your bank acct and find the amount? There's got to be something. That's bs.
Also, I've gone for a few months without insurance and it never "caught up with me", thank goodness. Don't know how it would, you're insured now and it's not like you tried to file any claims while you weren't.

user banned Due November 7 (boy); 1 child; Dayton, Ohio 26853 posts
Mar 18th '13

Well 1. the DMV wont back charge you. 2. I would be sending the agency a receipt of payment and getting my money back.

ILOVEWINE Due April 24; 2 kids; Sweden 10814 posts
Mar 18th '13

<blockquote><b>Quoting Tikaytasha:</b>" I paid for the year ahead of time. So idk what the hell happened and that office has no clue either since that agent no longer works there. So basically I'm SOL out of the money I gave her ."</blockquote>




Who is the insurance through? They have to refund you for the months you were without insurance.

**Quinn** 1 child; f**k it, CA, United States 5205 posts
Mar 18th '13
Quoting Smartass *Preggo!*:" Well 1. the DMV wont back charge you. 2. I would be sending the agency a receipt of payment and getting my money back."


:!::!:
If you paid for the year in advance, they should have that on file. If you paid from a checking account, you'll have record of it as well. I would NOT pay them a cent until they can tell you where the money you paid went.

Madi's*Mama Due November 2; 1 child; Holland, Michigan 7391 posts
Mar 18th '13

<blockquote><b>Quoting Smartass *Preggo!*:</b>" Well 1. the DMV wont back charge you. 2. I would be sending the agency a receipt of payment and getting my money back."</blockquote>



!!!!

Not tellin 3 kids; Montana 55983 posts
Mar 18th '13

<blockquote><b>Quoting Tikaytasha:</b>" So, my insurance agent I've had for the last 2 years retired. I got a new agent a few months ago, but ... [snip!] ... for 7 months. Wtf! Has anyone ever had to deal with shit like this? Did DMV actually make you follow through with that shit?"</blockquote>




How do you not know you aren't paying insurance for 7 months? Don't you balance your account?

melindapple 1 child; Michigan 5425 posts
Mar 18th '13

Back when DH and I first got together, he had miscommunicated with his parents. He thought they were paying 6 months in advance, and they thought he was paying 6 months in advance. When it was time to renew, same thing happened. He got insurance, and nothing happened except that he had to pay a little more for insurance each month for the next 6 months, and after that he could get it lowered again (which he did). Other than that, nothing happened with the DMV.

**Quinn** 1 child; f**k it, CA, United States 5205 posts
Mar 18th '13

I think it varies by state to state. My younger sister allowed her insurance to lapse on her car. She got the insurance back a few months later, but they still suspended her license because the insurance had lapsed, and she had to pay to have it renewed.

Not tellin 3 kids; Montana 55983 posts
Mar 18th '13

<blockquote><b>Quoting Tikaytasha:</b>" I paid for the year ahead of time. So idk what the hell happened and that office has no clue either since that agent no longer works there. So basically I'm SOL out of the money I gave her ."</blockquote>




Not if you have proof. You will have a receipt.