Divorcees may be eligible to the same kind of premium refund as parents. If your ex-husband or ex-wife stood a poor driving record and you have continued to pay for their old surcharged rates since they left your household permanently, bring this to the immediate attention of the insurance representative. Visit him effortlessly pertinent and documented information so your premiums could be reduced immediately while your application their explanation for a premium refund is processed.
The insurance companies hold these transgressions against our records for anywhere from three to live years, depending upon state law and individual company policy. A couple of transgressions or a mixture of two or more moving violations and reported at-fault accidents might not only substantially increase your rates, but probably force you to stay with the same company, paying its high premiums, in the hope of not receiving canceled and thrown into the assigned risk pool, where it can be even worse.
For instance, suppose you’re a New York State driver who received a speeding ticket throughout a winter visit to Florida so you then slid about the ice in route home, causing $2,000 injury to your car, that you reported to your insurance company.
For example, if you were separated or divorced this past year but forgot which you were still paying a $600 premium based on a two-car family, you’d be eligible for an immediate rate reduction to $250 (according to only your vehicle) and a premium refund of $560. If you had neglected to inform your insurance company for two years, choosing entitled to a $780 refund, etc.
If your insurance provider procrastinates or refuses outright to cover the refund, a state insurance department (Consumer Affairs Division) will help you with a legitimate complaint. Being a last resort, you will find the option of utilizing the matter to some small-claims court in order to your attorney. See sample letters A and B. My adage, that the clean record today keeps the top rates away, is truer now than in the past. Since the advent of the computer age, all moving violations and reported accidents appear Department of Motor Vehicles (D.M.V.) Report even though they occurred out of state, while driving a borrowed or rented car, or while driving a company vehicle at work.