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Auto Insurance Question from San Buenaventura, California

Asked on 1/8/2019.   This question has received 197 views.
Overcharged On Premiums for 24 months   My Car Insurance Has Been Charging Me More Every Month For My car As I Noticed That My New Insurance Card Stated That My Car Is A Hybrid, When I Have A Regular Sedan NOT Hybrid. I Called Them But They Stated They Are Only Available To Refund Back 30 Days. I Don't See That In Their Policy. What Can I Do To Get A Refund?

Answer given on April 15, 2019


While this mistake was costing you additional premium, you, as the policyholder, are expected to review your policy when it is issued or when there is a change in cars. The insurance company and/or insurance agent should have also confirmed the correct vehicle, and usually the VIN of the car will indicate what model it is.  You should confirm that the VIN is correct on the policy.  If it is not correct, get that fixed immediately. 

Most insurance companies will work with the customer when this happens.  30 days is the norm for backdating, but you should try to speak to a supervisor or manager to see if they will go back further.  It is unlikely they will go back the full time, since there has been at least one renewal of the policy, and it is expected that the policyholder will review the policy at that time. However, you may be able to get additional compensation for a few more months.  



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