<p>LasMa - My own story is an example of insurance companies still wanting payment despite a non-renewal or claims of improper cancellations. I posted suggesting people ensure they get their cancellations in writing based on my experience. </p>
<p>Please do not attribute words to me that I have not used - “disgusted”.</p>
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<p>Well said.</p>
<p>In the words of the immortal Sy Syms “An educated consumer is our best customer”.</p>
<p>It is too bad that the press and others like to obfuscate and rationalize instead of educate.</p>
<p>texaspg - you’re not understanding how auto coverage works. Most states require that the companies have proof of new coverage before they are allowed to cancel. They also have to report cancelled policies to the state insurance regulators. If they report you as cancelled without proof of other coverage, you could be tagged as uninsured. You cannot just let a policy lapse without showing proof of other coverage. You also never want an auto insurer to cancel a policy. It is a red flag for all kinds of things. You want to cancel the insurance in writing so you don’t risk fines and/or loss of driving privileges.</p>
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<p>lf: since seniors are covered by medicare, and many of those from 18-26 are covered under their parents plan…</p>
<p>cartera - you are probably right about other states and I have stayed in one for over 20 years. However, I don’t see the issues limited to auto policy as you suggest and the need to report is not the only reason they want to collect payments.</p>
<p>I also have business insurance where I faced a similar issue of having it cancelled on me while I was waiting on a new policy with new terms that I discussed with an agent over the phone just last month. When I called them and told them they messed up, they insisted that they could see the new terms but insisted in order to send me a new invoice, I had to clear a one month payment or else they wont honor the new policy. However, I would still have to pay for the one month even if I refused and went to a different company at that point. Essentially what I found out was that despite their mess up in not sending a new invoice with the new terms which I was told to wait for by their agent, I was considered at fault.</p>
<p>I really don’t care about any of this and don’t need to discuss my personal experiences further. It is not relevant what happened to me.</p>
<p>My two cents for others here - Make sure you have a SINGLE policy active and all others are cancelled or else you will be liable for the duration they have been active despite this not being your fault. You will be fighting with different insurance companies for next few months about money owed whether it is your fault or their fault.</p>
<p>Happy New Year everybody.</p>
<p>Happy New Year to you too.</p>
<p>Hope everyone had a great year and an even better one in 2014!</p>
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<p>Wow… In the immortal words of Jimmy Buffet: “it’s so simple it’s like the jitterbug… it plumb evaded me.”</p>
<p>Along with the authors of a lot of the: “young invincibles needed to keep premiums low” pieces I checked, since they keep speaking of an 18-36 age spread.</p>
<p>(And a Happy New Year to all that celebrate it.)</p>
<p>Hi cat!</p>
<p>It evaded me too, but I figured everyone else understood.</p>
<p>Along with the happy New Year, let me wish you a low premium too, bd.:)</p>
<p>Why thank you cat, the same to you!</p>
<p>Here’s to a healthy and happy new year to everyone!</p>
<p>Happy New Year! </p>
<p>Good health to all. May the deductibles not make any difference.</p>
<p>May we be so healthy we don’t have to visit the doctor at all next year!</p>
<p>I just wanted to post at midnight.</p>
<p>[Justice</a> delays health law’s birth control mandate - New York News](<a href=“http://www.myfoxny.com/story/24340294/justice-delays-health-laws-birth-control-mandate]Justice”>FOX 5 New York)</p>
<p>Cartera: Calif. allows anyone to cancel an auto policy without having other coverage.</p>
<p>In California, you have to notify the DMV if you cancel your insurance. The insurance company will also notify the DMV of the cancellation and if they don’t get notice of new insurance within 45 days, they can suspend driving privileges.</p>
<p>Seems rather irrelevant to spend so much time arguing over car insurance. Doesn’t anyone want to discuss health insurance premiums?</p>
<p>Not a premium BUT all of my Exchange plan info is listed on my BCBS-MI account. Out of pocket max: $500. Deductible: $175. My current plan (not exchange): OOP Max: $8k, deductible: $5k AND I have dental coverage on the exchange plan. </p>
<p>Maybe I should just switch over to that plan even if I’m out an extra $80. Sigh. </p>
<p>Hopefully my W-2s will come in really soon. I’m only waiting on FOUR of them. I’m sure they’ll all get here in a timely manner :rolleyes:</p>
<p>Oh jeez, good luck getting all those W-2’s before the end of March!</p>