Divorcees may be eligible to the same kind of premium refund being a parent. If your ex-husband or ex-wife had a poor record and you have continued to pay for their old surcharged rates given that they left your family permanently, bring this for the immediate attention of one’s insurance representative. Visit him with all pertinent and documented information so your premiums can be reduced immediately while the job cool training for a premium refund is processed.
The insurance companies hold these transgressions against our records for between three to live years, depending upon state law and individual company policy. A couple of transgressions or a combination of two or more moving violations and reported at-fault accidents may well not only substantially raise your rates, but probably force you to stick to the same company, paying its high premiums, with the hope of not getting canceled and thrown into the assigned risk pool, where it may be even worse.
For example, suppose you’re New York State driver who received a speeding ticket within a winter vacation in Florida and you then slid about the ice on the way home, causing $2,000 injury to your car, which you reported for your insurance company.
For example, if you were separated or divorced this past year but forgot that you simply were still paying a $600 premium using a two-car family, you would be eligible for an immediate rate reduction to $250 (based on only your car) and a premium refund of $560. If you had neglected to tell your insurance company for 2 years, choosing entitled to a $780 refund, and so forth.
If your insurance provider procrastinates or refuses outright to pay the refund, a state insurance department (Consumer Affairs Division) can help you with a legitimate complaint. Like a last resort, you have the option of taking the matter to a small-claims court or to your attorney. See sample letters A and B. My adage, that a clean record today keeps the top rates away, is truer now than ever. Since the advent of the computer age, all moving violations and reported accidents show up on your Department of Motor Vehicles (D.M.V.) Report even if they occurred out of state, while driving a borrowed or rented car, or while driving an organization vehicle practical.